A lot of this feels like bad advice. Like playing penny stocks rather than index funds. I am 18, and saying that my most productive years are from 20-25 seems s

A lot of this feels like bad advice. Like playing penny stocks rather than index funds. I am 18, and saying that my most productive years are from 20-25 seems shortsighted and arrogant. The startup community, although cool and interesting, seems like a gold rush situation to me. That's why I plan to get my CS degree, and get a stable job, such as one at MS (which the author seems to look down upon). I could see joining/starting a startup, if the opportunity popped up, but seeking a risky situation irks me.Maybe I am just risk adverse?