I kinda feel the opposite. When you can afford to risk it, become your own boss. When something hard in life is coming up, it's better to be employed. Less s

I kinda feel the opposite. When you can afford to risk it, become your own boss. When something hard in life is coming up, it's better to be employed. Less stress, more benefits, lower chance of being fired. If time is a concern I'd recommend some part time (albeit I realise it's not that popular in the USA).