If you have the ability to program you can find time around your day job to make a little progress each day until you have something ready to market. Because it just sounds like you're lazy and are throwing up random excuses.
Do you also have no time in the evenings or weekends? Spend the hours that you normally watch TV or browse social media/Hacker News working on your project.
But the fact that you're posting on here while complaining that you don't have time tells me you just don't want to do it enough for it to ever be worthwhile.
No time means no time in which I can do productive work.
I still have time to, say, occasionally exercise or have a walk or deal with life chores or get out with friends once in a while, but if I stop doing those things that would hurt my health/life and therefore my ability to work even further, as I know from experience.
As to HN, I read it mostly when I can’t sleep or in public transport.
