[Glench]

> what are the heuristics I can use to understand that this is the right time for me to start a business that does not create huge opportunity costs and is not an impulse that is the result of my impatience?

I'm wondering if it makes sense to think about your goals here. Why are you even thinking about starting a business? Are you trying to make money? To really serve people? Because it's a fun challenge? Because you want financial freedom? Because you see an opportunity? Because you've been told you should or want the status of someone who has "made it"? What's in your heart?