Ask HN: young CS graduate. work for a startup or create mine straight away?

Hi,<p>Here is the deal I'm confronted to :<p>- Start my own startup : I have 5K in the bank, a cofounder from school I have worked with with who i'm confident I can build something great with. We don't have a solid idea of a product we both feel passionate enough to devote ourselves fulltime, but then again I keep reading it's not about the idea but about the execution, then should having an idea matter at that point ?<p>OR<p>- Work for a startup : its an early stage company ( 3 months ), they are 10 people, they have investors ( raised 400K in just 3 months ), they already have clients and contracts. They're working on a cool technology ( mobile payments ) that's not you typicall 2.0 webapp. The CEO already created a successful international tech company ( I had dinner with the CEO after I met him at a networking event, just to say I could have good interactions with him )<p>I feel like working for this startup would teach me about how some real business is done and let me identify possible opportunities for me to create a business later ( in an industry with more barriers to entry ).<p>But on the other hands, I keep hearing "Start now !", "There is not perfect timing, just do it ! now !" etc. They tell me I'll get used to the paycheck at the end of each month, I'll get too comfortable etc. But I also feel like if I do something now it will be another webapp or something without any real barrier to entry ( other than great coding, which I'm confident I can do ).<p>I'm asking HNers : when do you feel that the timing is right when you want to create a startup ? And for founders : did you experience help you for starting your own company ? Anyone else in the same situation as me ?<p>Thanks for reading, I appreciate any feedback.