Hmm. Risk everything in your own (or with mates) business as soon as you are out of college. Or even while you are in college. I had a good old laugh when in Uni and dossed about loads. Wouldn't change it but for all the time I ploughed into my own gaming code (which didn't really come to anything) I could have used on my own business.
Right now, almost 20 years later, I wish I could risk everything and go 24/7 into my own business, but with a family, mortgage etc then it is much much safer to stay with things as they are. I earn a good salary and am in an amazing place (Cyprus). I don't think I've done bad. But then I remember the company me and my mate half heartedly tried to do just before Uni (stock control and accounts systems for pubs - think about it...). One customer (free lodgings and all the alcohol you could drink) and then we just sort of got on with our lives afterwards (after being let down by a second customer). I regret not taking that to the limit in our spare time (free drinks while selling to pubs - see we did think about it

). Plus something else I almost had done for Terry Pratchett. Ho hum, nevermind, is all in the past...
So yes, take the risk while it's just you, a potentially life threatening alcoholic habit, a half decent pr0n collection, and your parents paying the rent
Cheers
Current fave quote : Cause you like musicians and I like people with boobs.