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I think I'd be happy to work on something interesting for crummy money. The trick is the interesting part.

I'd rather take more money, retire in my 30s and work on my personal projects from that point on.

If I was 30+ years younger, I would consider that.

One problem is being old school enough that it's darned difficult to work for free.

Downside is that a lot of startups are not that interesting. They're just filling a business niche.