I think it is a risk factor. I was almost not hired at a startup specifically because the owner was worried about the level of risk I was taking with wife/kids/

I think it is a risk factor. I was almost not hired at a startup specifically because the owner was worried about the level of risk I was taking with wife/kids/house etc. That's a good boss to have, one looking out for me. Things turned out fine. Personally, it does alter the level of risk I'm willing to take. Pre kids, I'd be willing to risk a lot more. Having kids makes me value my time which does force me to be focused. I'm willing to work long hours, but I split the time up. I work until 4-5 and spend time with the family. If there is work to be done, I'm back on after the kids are in bed. This could present a problem at some startups.