Decisions like these are intensely personal. Not only does the answer rely on a multitude of things like where you live, your family situation and housing, but

Decisions like these are intensely personal. Not only does the answer rely on a multitude of things like where you live, your family situation and housing, but also on what makes you content: is it travels, restaurants, wines and fast cars, or is it long walks in the woods? Also, if your current work situation is carving at your self-esteem or general life satisfaction then you might not have any other choice than to get out before crash landing, and then that money in the bank will give at least give you some time to evaluate your options.