The red pill or the blue pill? How to actually calculate whether starting your own business is better than working for the man

Selling your own softwares.

People often have aspirations of running their own company, but the majority will never leave the Matrix because they find the demands of independence to be too much to bear. It's a HUGE choice that might have a significant impact on their life. Since you can't handle the truth, most people shouldn't take the Red Pill, as Jack Nicholson famously said in another well-known film (A Few Good Men).

better than working for the man
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Haven't made the leap yet. Your first para sums me up - I'm in a good and well-paid job and not sure the risk is worth it. This is a very helpful model. Cheers!

This is a brilliant model. I wish I'd had it before quitting my 9-5. While my business has, thankfully, worked out, in large part due to friends and family helping support me - I would otherwise be in the exact position you predict - broke. I definitely underestimated how quickly I could scale and become profitable. Wannabe founders take note: you won't be profitable anywhere near as soon as you think you will so make sure you have the savings in the bank.