I agree that you guys are brave. I have been thinking of making an important step for a while now, basically moving into software development/startups from a finance/accounting job, and I just can't wrap my head around such a change. I lived in many places, so that is not my silver bullet, but gosh leaving my 9-5 life seems so risky.

How do you do it? What scares the hell out of me is the future. What happens if things go sour? How do I know I can actually be a good programmer or entrepreneur? How do I save up for my pension (I am 27, that might seem premature I know) if things go bad?