Personal availability of risk capital. I mean, if I make a mistake with my cashflow stream, I don't eat. It has happened three times in my life, and not in twel

Personal availability of risk capital. I mean, if I make a mistake with my cashflow stream, I don't eat. It has happened three times in my life, and not in twelve years. This means that I make decisions differently to somebody who has a buffer of parental emergency capital injection. For example, I would love passionately to quit my job right now. I would love to set up a consultancy specialising in data analysis for capital management for insurance companies, and have more than the required skill set, but if I take too much risk my family could be hungry. That would be decidedly uncool.