If not, what do you do in your 40's with no healthcare? Or the state marketplace healthcare that is basically 'catrastrophe only', with no out of network support, and still costs over 800 a month?
Do you rent, or do you own, and if you own, how about the property taxes.
Starting a business in 2026 is for the Made Men of tech, who've sold monstrous share amounts for millions, and can post messages on Hackernews with advice on how to escape the rat race.