This is not an either-or question. Start-ups are a "fast and furious" game, so you can go in and out of them. Successful start-ups only last for 5-10 years before exit, and unsuccessful ones last for even less time. I'm in late middle age. I've decided to found another start-up after a long period of stability while I got married and raised 2 children. During this period of "boringness" I made money so that I don't need a "friends and family" round, since I have the money myself to get the new business off the ground. Additionally, I developed skills that will make me much more likely to be a success at the start-up, since I know better what problems exist in my industry and have some ideas about how to solve them. The period of "boringness" will go quickly, especially if you have children, and will make you a much more effective start-up co-founder later on.
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