I'm glad im not married, have no kids, and can manage to survive on the minimum if I must. That said, a lot of people out there aren't so lucky, but ultimately it comes down to what you really want. If you want to continue working for a useless paycheck while the job requirements go up, then dont apply. If you would like to risk it all for the slim possibility that your idea/product might succeed, then by all means go for it. YC here I come!