Yes! And if you're actually heeding this advice it means you're smarter than most. BUT this should not stop you either - just need to find a way to work around

Yes! And if you're actually heeding this advice it means you're smarter than most. BUT this should not stop you either - just need to find a way to work around it. :) Essentially you should calculate your opportunity cost. And then figure out a dollar number you are willing to lose. So lets say you save $10k per year. Also assume that you will reduce your lifestyle so as to spend only 2k/month (including medical insurance) on living expenses to start your company. So for a year of unpaid work you will be down the hole of 24k + $10k + $6k (it will take 3 months to get a job after 1 year of being an entreprenur) + $10k in incidentals (server hosting costs to seeing the doc a few times). So thats a total of $50k. Now thats in fantasy land or Utah. In NYC and SF you're looking at probably $120k or more per year if living in decent housing. The more you make the higher this number becomes, becuase of the opportunity costs. So its should become very apparent to you that you need to raise money if you start a startup in SF or NYC. Else move somewhere else immediately. It should also make apparent that you should work as much as possible in your free time before quitting. After this you should put a number in your savings account after which you will quit entrepreneruship. So say on hitting $100k in your bank account (after starting with $200k) you'll quit. People focus too much on just their monthly bill and I think thats the biggest mistake. The opprotunity cost is very very real. You don't get that time back.