My advice, for what it's worth, based on my experience: 1. Every time when I delayed making a significant decision in my life related to big changes, I regrett

My advice, for what it's worth, based on my experience: 1. Every time when I delayed making a significant decision in my life related to big changes, I regretted only the delay. I was always happy with the outcome, but always wished I had made the decision sooner. I now take this into account and decide faster. Life isn't that long. 2. Starting something on your own takes years. Unless you are very lucky, building your own business will take at least two years until you can live off it. In SaaS that's because how it works, in consulting it's because you usually need to find clients and work your way up via referrals. The only exception is if you can get consulting work from companies you already know (such as your former employer). So don't quit your job without a very good idea of what you will do next and plan to live on savings for two years. 3. There might be other jobs that will leave more time for side projects, so changing your job first and then starting something as a side project first might be a safer path.