I think there is another point of view to this. Once you hit the 5-10M NW range as employee, you're basically free to take risky bets on start ups. You're looki

I think there is another point of view to this. Once you hit the 5-10M NW range as employee, you're basically free to take risky bets on start ups. You're looking for something that will be game changing (10M+) rather than another 500K in the bank. You've got college, housing etc. covered, so it's fine to go take risks in order to get large lottery tickets.