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The time window for playing the startup game is very short. Fresh out of college you don't have as many financial responsibilities as a few years down the road. Take that financial freedom as a license to risk working at or launching a startup.

You won't be able to do it when you have a mortgage, two kids to feed and clothe, and college savings on the horizon.

If you learn to save and manage your money intelligently instead of getting on the consumer treadmill as soon as you score a real job then you'll be in great shape to start later. You'll have savings, connections and experience.

Sure you can! You can arguably do it better. :)

Not everyone has a mortgage and kids later on in life.

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