I suggest loyalty, because since you have such troubles, it shows that you are a man with a conscience. A man with a conscience is not suitable for doing things with no conscience, and you will be unhappy. Instead of thinking about starting your own business, you can consider telling him your thoughts first. Just tell him that everything is tight at home recently and ask him if he can give you a raise. If he is also a reasonable and conscientious person, he will realize that he owes you a raise. If he looks good, it's not too late for you to start a business. If someone asks, you can tell the truth. When others know, they won't think you are an ungrateful person. Anyway, let's communicate first. Good luck!