[mcherm]

Not having a reliable income, in exchange for receiving stock that is (if you aren't lying to yourself) extremely likely to be worthless.

How to overcome: Don't. Stay employed in a traditional job. I mean, except if you have the most AMAZING idea and the PERFECT team to execute, and you are just SO JAZZED about it that you couldn't even CONSIDER passing up the opportunity. And if that is how you feel about it, then you might be on the right track.