Lack of safety net is why I don't feel comfortable continuing a life of entrepreneurship in the US while I'm building a family; I'll be leaving. I bootstrap and am not going to be getting millions in investment to pay myself ... if there are some lean years, at least I'll have assistance for my children and healthcare! I'm self-employed now, but if I didn't have employer-sponsored healthcare through my spouse, we'd be paying $1,000 per MONTH for a bottom-tier health plan with a $10,000 deductible. My wife staying employed after childbirth isn't an option because her employer expects her back to work after three weeks (yes her coworkers do this). What kind of nonsense life would that be?