It works just as well when you're 23 years old, fresh out of college, and wondering whether you should put off finding a job for six months while you go backpac

It works just as well when you're 23 years old, fresh out of college, and wondering whether you should put off finding a job for six months while you go backpacking around Southeast Asia. What are the odds that I'll I find myself living on the street in 10 years, begging for spare change and cursing myself for having taken that vacation instead of immediately finding a job? And what are the odds that in 10 years I'll find myself with a house and kids, wishing I'd taken that dream trip while I had the chance? Incidentally, it works just as well if you substitute "startup" for "dream trip".