You can also "retire to startups", meaning go pick the most interesting company to work with and not worry about their ability to pay you or even their long-ter

You can also "retire to startups", meaning go pick the most interesting company to work with and not worry about their ability to pay you or even their long-term viability. If the work interests you and the people will be good to work with, you don't need anything else. I've done this and it is truly great.