I'm also pushing 40, and part of my hesitation is the opportunity cost. Will I seriously regret foregoing a year of market rate salary during my peak earning ye

I'm also pushing 40, and part of my hesitation is the opportunity cost. Will I seriously regret foregoing a year of market rate salary during my peak earning years, when I only recently got a clue and started saving? I'm also less blasé about doing without group health insurance than I used to be, just from watching people age (and CORBA only lasts so long).