Risk it When You're Young Why you shouldn't wait to start your business: You may never get back to it.

Rich Aberman and Bill Clerico faced a tough decision as they approached the end of their senior year at Boston College. Start an innovative online-payment processing business, or start a new job and grad school?

In the end, they decided to go the safe route--Aberman set out for law school at New York University and Clerico took a job as an investment banker at Jefferies--and they promised themselves that, one day soon, they'd get back to starting their business. But all too quickly, they saw themselves getting sucked into the workaday world and their entrepreneurial ambitions slipping away.