OTOH the time to do a "risky" startup job is when you're young and have no real responsibilities other than yourself. Being broke in your late 20s is recoverabl

OTOH the time to do a "risky" startup job is when you're young and have no real responsibilities other than yourself. Being broke in your late 20s is recoverable especially if you've gained expertise in current tech; being broke at 40 with a family is a much harder challenge.