For someone who's already saddled with $100K in debt, a little extra risk of deferred or lower-than-market compensation is not necessarily a big deal. And if th

For someone who's already saddled with $100K in debt, a little extra risk of deferred or lower-than-market compensation is not necessarily a big deal. And if they get into YC, their after that is much lower than with an average startup. On the other hand, what's a better time to start a company than when you have few material obligations and existing long-term investments?