i am 45 ( soon to be 46 ). Since my late 20's i tried to succeed as an entrepreneur ( dropped college, went freelancing and then ran my small software consulta

i am 45 ( soon to be 46 ). Since my late 20's i tried to succeed as an entrepreneur ( dropped college, went freelancing and then ran my small software consultant company in Brazil for 14 years ). Made a little money, but never got really successful, until the day i got bankrupted for the second time. Got back to the college to pick a degree ( HR people are a bit too conscious about hiring an early 40 without "formal education" ) since then, i got 3 different employments ( changed jobs for better positions/compensation/quality-of-life ) all 9-5, making more money than my average days as an entrepreneur, without the risks, sleeping better and without half of the stress. Currently things changed a little, and i have been working 10-14 hours/day as a Solution Architect/Tech Leader ( weekends also ) in a great project for my current employer ( at 10 minutes walking away from my home ) but being very well paid for all the extra-time... I failed miserably as an entrepreneur, but now i am doing a (very) decent living as an employee. My 2cents to the OP is: at the very least, cover your bases. Make sure you have an exit plan, in case things goes down the drain ( in my case, it was getting my degree, getting my CV out in the world ).