Creating a startup is a huge risk taking endeavour, if there are factors in your life that might distract you from this like how you are going to pay mortgage or will I have time to be with my kids/wife, probably you shouldn't do it. Also, keep in mind that there are few possible outcomes to a startup - 1) it succeeds and you get rich, 2) it fails miserably and you are left with a huge debt that you might never be able to pay in a lifetime (this risk is real, I've seen it), 3) it fails, but you get away no debt, 4) it kind of succeeds, but it becomes a boring existential company that barely pays your bills and no one is interested in buying it.