Awful idea! You claim to be perfectly rational, however, that is not the case. Would it be perfectly rational for me to forgo my 401k to finance your startup? No, it would not. Irrationality and partiality are one in the same. Do not be biased toward your idea because you might fail -- i.e. "eggs in one basket." Right now your retirement money might not seem sacred, but later on in life...
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