My reasons are as follows:
1. No knowledge of where to even begin and how to handle the project progression. There are several steps - ideation, validation, building mvp, launching, marketing, etc.
2. Lack of "I can do whatever I want" money. I feel worried that I might end up investing valueable time on something that doesn't take off and all that lost time would be better spent on my primary career goals. Have to think about parents first.
Basically, if I had a decent safety net and a mentor, I would already be working on a project