This is in-line with my own experience as a 37 year old founder (married, one child). The biggest hurdle is "lack of willingness or ability to take risks" and

This is in-line with my own experience as a 37 year old founder (married, one child). The biggest hurdle is "lack of willingness or ability to take risks" and the biggest advantage is "Professional networks". Most often, this is reversed if you are a young founder.