[xtracto]

I experienced that at around 30, when someone invited me to found a startup, but I just didn't have the money to survive.

Now I'm 40, I've got more financial independence but dont really have the drive anymore.

[DougN7]

You also don’t have the time to recover should the startup fail. Because of that I think rich parents holds much more influence than having built up a safety cushion (retirement fund) later in life. The risks are much much higher in that case.