Reinvention for 23-year-olds with nothing to lose is relatively easy. At 40, it's brave. Here's how to do it well. At 23, Nick Francis left the BBC, drove a Mini to Mongolia, and stumbled into building a creative business now in 9 countries. Back then, it didn't feel brave. No mortgage. No kids. Nothing to lose. As Nick says: "If you quit your job in your 40s, with kids and responsibilities - that's brave." Here's what struck me: midlife reinvention isn't about starting over. It's about start...