Opportunities are useless unless you take advantage of them when they are available or present themselves. A: "I've always wanted to work in Japan. I had a chance to do that a couple of years ago, you know." B: "Well, a mill cannot grind with water that is past, Tom." You should take the chance of starting your own company before you have a mortgage to pay and a family to support—the mill cannot grind with water that is past.