It's often a veiled insult trickling down from the people who have some "lifestyle" themselves, which usually is delivered by people who like the startup speak and are busy not creating any real value for customers.

A truth maybe some don't want others to know is this: Your ability to create, pursue and have a deeper life benefits greatly from a modest financial engine.

I believe in working incredibly hard all the time. My ability to do so and pursue other ideas has been helped greatly by having a financial engine. Learning this balance every day has been invaluable to me.

There is a fair point in learning to focus on a few things. HN doesn't lack technical skills. It lacks business acumen and experience. Like coding, you learn to walk before you run, or pretend you're a star athlete from day one in business?

Every large business started small. There is no harm, or problem in learning to build a business into a success be it smaller or larger. Just pay attention to whether you stop after success, and if it's what you want. The same business building skills are needed when growing the big idea.

Most people who give up their 20's for something, will end up with just that, giving up their 20's and not much else. Not my opinion, but a stat that seems apparent. Think ahead, and there's a chance to get ahead.

Entrepreneurship is about about finding your path to customers. Everyone here is smart enough to put software or technology to work for them with just a little bit of their talent, focused.

If you build yourself a financial engine that can set you up and serve you, you'll be building the habits to do what you want well into your 30's and 40's when everyone else has to pack up and call it a day to pay the bills that never go away.