I hate you for asking me this because it is such an emotional issue for me. I've been asking myself the same question for over a year now. The answer has almost always been savings. I have a wife/house/car/loans and need at least $3000/month. The good thing is that I see the light at the end of the tunnel. July 2009, I thought I'd start in Feb 2010. Feb 2010, I thought I'd start in July 2010. Right now I'm aiming for…
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Maybe startup isnt for you? Thats just fine, its not for everyone and millions enjoy happy lives and families being employed. Once you admit this it may become less emotional for you and you might actually feel much better mentally!
I think its kind of problem for many readers here: HN pushes that mantra that every hacker have to start something himself.