Opportunity cost. If I'd read pg twenty years ago I like to think I would have more readily, but I expect my peak earning years are right now (I'm 40 and paid s

Opportunity cost. If I'd read pg twenty years ago I like to think I would have more readily, but I expect my peak earning years are right now (I'm 40 and paid somewhat over market and regularly reminded how glad they are that I've stayed on) and I'm finally starting to save after squandering a much lower salary for far too long. My savings at this point do amount to a few years' runway, but that means I'd be gambling with my nascent retirement fund. Someone would have to convince me they actually know what the market wants (after seeing ludicrous ideas succeed, I clearly don't) for me to go all-in on their big idea, or find an investor confident enough to cover market-ish rate for me as an early employee.