Here's the reality I've experienced as a startup founder. Its not the holy truth, but its been my life and my experiences.
If you shoot an arrow even a few degrees off-center, it hits somewhere far from the board.
Similarly the decisions you take early on are so much more critical to your life.
As an Indian student these are all of the decisions you take:
Age 15: Science, Commerce, Arts
Age 17: Medical, Engineering
Age 18: Computer Science, Electrical, Mechanical, Civil engineering etc
Age 22: US Masters or Local Job
Guess what?
If you want to realistically be a millionaire by 37-38 you have to take 5 correct decisions in a row (Science, Engineering, CS, Masters).
You have to do 5 very difficult things to be a Google level engineer.
Even if you do four out of five correct after 20 years your life will be in a far lower orbit with respect to finances. Its sad but true.
This is why you should do your startup after you clear this early minefield of difficult decisions. Once you can comfortably have a good job at your whim. I'd advise people to startup only after 30.
And remember, one misstep and the outcome can be wildly different after 20 years!