Re: finding time. I think this is true for all of life, as we get older our risk and reward profiles change. As we are encumbered by more responsibility, family, mortgage, etc, we stop taking the same risks and start playing life more “safely” or “securely”. Of course it doesn't have to be that way and I personally advocate for a debt free lifestyle for this reason. Too many times have we heard the story of the midlife crisis: the false deity of security and comfort that robs the well paid executive the majority of his or her life. Its a sad story. So my advice is to people is to work less for others and work more for your own projects and passions, life is simply too short to give your years to someone else, even if it pays well.