To be clear, The ideas I have in my opinion are not high risk (worst case you break even after a few years).
Apologies for my ignorance if there are better sources out there. Asking here because I have received valuable advice on HN from asking similar "noob" questions.
It's good to be optimistic, but not naive. The worst case is that none of your ideas will ever generate a single dollar of revenue. Actually, I would even say that the most likely case is that you will never reach break even.
With your naive assumption you can get into unnecessary debt and now the worst case is that you lose all your financial reserves.
> "the better ideas I have cost a lot of initial money to develop even a small proof of concept."
I would think very hard to find a way to validate these ideas without that much of initial money. I am honestly don't trust your judgement now that it is impossible to even test without a lot of money. But if that's really true, it means that you want to build something that requires a lot of deep expertise and/or infrastructure (like a new self-driving drone or a new drug). The only people who get money to work on these kind of projects are researchers within a big company or entrepreneurs with an impressive track record of success (think Elon Musk).
So maybe these ideas are not for you.
This will force you to get out there, actually talk to potential customers, and sell it. This is one of the hard parts of executing on an idea.
I know one entrepreneur in your boat who recently cold outbounded with a PowerPoint and some design mockups, and managed to get a number of LOIs signed from buyers in his target market. That proved to investors that 1) people wanted it, and 2) he could sell it. He raised a non-trivial sum from a known VC firm.
For everything else, you can use a Google Form or just go out walking around town surveying people and seeing if they'll sign up to your list based on telling them your idea.
Ideas are not valuable unless you can show that you can execute on them and you don't need much money to show that, at least to start.
Highly recommend this book on the topic: http://momtestbook.com/
There are a few tricks you can try - you can put up a shopping cart that crashes into an 'out of stock' dummy page and then track the number of people adding to cart. You can put up a few real world banners, track how many calls you get, then tell them that the system is down. You can visit people with a powerpoint presentation.
Don't be a tire kicker though. Just do it as if you're going to do it, then move fast to secure it.
Another easy trick is to look at what people have hacked together. Everyone has a competitor. Yours is likely an excel sheet somewhere. The competitor for the first car was the horse. The competitor for combat planes were balloons and zeppelins.
If you can't code then probably you can save couple of thousands and ask for help from someone else (e.g. hire overseas labour from low cost of living areas to build the mvp for you).