I disagree about the fallback plan. Please people, do not max out your credit cards, at least not until you are as good as what you do as they Airbnbs were in

I disagree about the fallback plan. Please people, do not max out your credit cards, at least not until you are as good as what you do as they Airbnbs were in 2008. I think there's a cognitive bias at YC where they don't realize that most people (especially 20 year olds) are not very good at making things, and so on average the best advice you can give the general public is just to get better at making things. The Airbnbs were exceptionally skilled and hard working people. They made all sorts of weird stuff—and did it well. The cereal boxes were the tip of the iceberg. Brian and Joe could design (and throw a good party!). Nate was a terrific coder who did CS at Harvard. I would absolutely say they had the best fallback plan—they could make things. They could've gotten other jobs. That takes decades of hard work (I'm sure they started building things when they were very young). So if you can't make good things, DO NOT max out your credit cards. You will be setting yourself up for disaster. Instead invest in your skillset. If you aren't good enough to build something great, go out and get a job(s) and keep working on it. I like a poem written in 1916 about being someone who "delivers the goods" (https://breckyunits.com/deliver.html https://breckyunits.com/deliver.html)