I would say no to the people who say it's good to have a startup when you're young. For investing and money compounding the first 5-10 years of your working life are the most important.

If you want to make a lot of money, I would look at investing (especially commodities now that stocks/bonds/houses are overvalued) instead of trying a startup. Most people get rich ($3M+) by investing and letting compounding do its job.

Doing a startup is risky, investing can be done in a relatively safe way.

If you really want a startup for some non-money related reason, you can do it when you have money in your bank account.