That's true. I agree that taking big financial risks, especially later in life, is not necessarily the best advice. Risk is relative though. Plenty of people in this thread talking about programming projects they've been working on for years and have rewritten multiple times, never releasing anything. What would have been the risk in releasing something earlier?

I have a friend who is a musician. He obsessed over individual songs that he produces for months, and doesn't release very much. I think he has this idea that he's going to be hugely successful someday, but I keep telling him, I think you would build more of a following if you released more of your work. The worst that could happen is that people don't like it that much, but there's something about getting used to putting yourself out.

There are also people who dream of a better work environment and never apply for other jobs. It can be risky to just quit your job when you have a family to care for, but it's often possible to interview in other places without leaving your current job.