Actually what I was attempting here was to try and question the thinking behind when we can and can't do things that we wish to do.
I don't need anyone to convince me, I was trying to challenge the general perceptions of when you can start a start-up.
I never think a question is a 'stupid question', and I also don't think asking a question is a failure.
I prefer to think in terms of "personal industry" rather than "startup." Personal industry used to be the normal case, with people building their own house, planting their own fields, and so on. I think it's rather odd and sad that so many of us get caught up in corporate life. I have more feelings about this, but am having trouble articulating them
Anyway, to answer the when?: Until I'm so old and decrepit that my children are taking care of me.