I for one agree with the author's point. I live in SV, working on a seed-funded start-up, and yes, it is a lot of personal sacrifice and risk. And, yes, a lot o

I for one agree with the author's point. I live in SV, working on a seed-funded start-up, and yes, it is a lot of personal sacrifice and risk. And, yes, a lot of founders risked their own money, careers and family relationships building their companies. Read "Founders At Work" for some examples. I definitely would not risk my family or my retirement account, but I do know people who did and succeeded (and people who failed too, obviously).