"But be aware that there is no free lunch, and reducing risk right now will most probably reduce your opportunities in the long term." I would buy this t-shirt

"But be aware that there is no free lunch, and reducing risk right now will most probably reduce your opportunities in the long term." I would buy this t-shirt. This is so true. At certain points in your life you can take wild risks - eg. work for a company that has 4 months of runway and live on the co founders couch. This type of opportunity can teach you more in 4 months than 4 years at other positions. Small companies having difficulties can be a fun place to lead, fix and build. You will have plenty of years to do: 2 hour code reviews, long sprint planning sessions and write endless unit tests.