[hindsightbias]

On startup - are you married or have other obligations. It doesn’t get simpler to try the more complicated your life is (unless the partner is all-in supporting you for a few years)

On ideas - have you seen a product space that looks promising but your employer does not have solutions or has passed on it?

Quality of Life and Startup Life are not likely to coexist in real space. It’s jumping into a pit without a parachute. There may clouds or rocks on the way down.

If you want to make more and cruise, consider older/stable tech where the workforce is aging out but new tech applies (Kubernetes exists on mainframes, but those people are 60).