The usual explanation is something about lifestyle and mortgages and children and so on, but whether you earn the money in your 20s and do a moonshot in your 30s, or do the moonshot in your 20s and earn money in your 30s, don't you wind up at the same place either way?
I tell people to only start a startup, and definitely only start a moonshot startup if you can't help but let your ambition destroy your happiness. Things at Apollo are going really well, and it has been ~5x more stressful than when I was working at a really fast paced and successful US company. It's probably ~15x more stressful than when I was working at a laid back US tech company. You do it because you have to see what you're building in the world.
The challenge and stress of the moonshot never goes away, but the stress is more “intense trek through the mountains” and less “my family is going to starve and my friends hate me. “
Because it is very very hard to get to "fuck you"-money and passive income often isn't quite as passive as it seems.