* I want to have good health insurance for my family without paying thousands of dollars.

* Running your own business takes much more time than being a "working stiff" and I don't want to spend 95% of my awake time working.

* If my business fails, I don't want to incur huge debt or losses, I want the security of a steady paycheck.

* Once my business gets larger than just myself, such as if it takes off hugely, I don't want to deal with the politics and other bullshit that will take me away from the day to day building of product.

* I'm worried past a employer would try to use my time there against me to steal my business, since I signed NDAs and stuff, even if my ideas are fresh and unrelated to the specific business of that employer (that employer treated me poorly when I left).