> There will come a point in life where you have enough money, hopefully.

But if you're like most of my friends you'll also have two kids and a mortgage. At that point your appetite to take risks is reduced because it's not just about you any more.

On the whole though I'd agree. The risk/reward profile of startups is pretty different to that of employment in a high paying industry. And I would be willing to bet that on average employment returns are higher than startup returns.