I like the term emotional debt because it captures the compounding nature of feelings. If you have any niggling sense that you are on the wrong path in your twenties, those feelings will just get worse and worse over time, and the consequences will amplify with each passing year and each missed opportunity to do something else.
The term also implies that there are emotional costs to doing things. These costs are almost always left out of the rational life-calculus, and the heroic life-narrative, that lead people to become founders.
— https://www.evanmiller.org/start-ups-and-emotional-debt.html