You can't "last for 3-4y without working". You are massively undervaluing those savings. You look at that money and assume it will be easy for you to get back to that financial position if you burn it on a startup.

You are at the age where you need to start thinking about a wife and family. To do that you need a house and a job. Spend your savings on buying a house.

I'm not saying you shouldn't do a startup - maybe you should - but you should absoutely not do it but burning through your savings even for six months.

If you are a programmer then you do not need VC money, a team or a cofounder. Just write the damn code. If you lack time then reduce your hours or get a job that gives you the time outside hours.

Now you may thank me.