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Originally Posted by Manuel  On the one hand I hate my job, but I think I hate living where I do at the moment even more! |
I think you've answered your own question here.
My advice: Put at least half the money in a very safe investment like a CD or govt treasury bill that you can't touch without penalty for 2-5 years.
Find a cheap apartment of your own. Continue the day job and bank as much money as you can. Give yourself a deadline for turning your music into your full-time gig. Can you give guitar lessons, play with a band nights and weekends? (not sure what you are doing with your music already.)
On the other hand, having your own apartment won't guarantee that neighbors won't complain about early morning music. There are places you can practice without disturbing your roomate. Some musicians make money playing for commuters in the subway and downtown street corners. There are also soundproof rooms available at music schools for practice.
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I'm very afraid of making the wrong choice!
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No one can give you the perfect answer. But you must make a move. This could be your only opportunity. So pursue your dream, but do it smart, not recklessly.