I am glad I waited so long to start my business. I paid off my student loans first and saved a good chunk of money. I needed the peace of mind knowing I was debt-free and have a big savings account and a small income from my passion already. Though I felt like a loser often because I read all the "you are wasting your time if you put off quitting your job" articles...I realize now my timing was right for me. Thanks for that common sense article.