[OldSchool]

Bad choice of words on my part - youth itself is barely relevant; your overhead and how many people you're responsible for or answer to is. Those things tend to increase as you age.

In my opinion, a spouse and especially children would be indicators against taking bigger risks in the form of debt. I also recommend against relying on a working spouse to support your effort for more than about a month - too much at risk.

Ask yourself how far have you come and where is the business headed? If it's consistent month-by-month and headed in the right direction that's certainly a big plus.

[ben-lee]

Ok thanks for clarifying. I'm 33, no spouse or kids.