I was in a similar situation to you, I made my part time contracting into full time contracting and haven't looked back. Now that's not always the right choice

I was in a similar situation to you, I made my part time contracting into full time contracting and haven't looked back. Now that's not always the right choice for everyone, and there have been ups and downs, periods with too much work and not enough work, but overall it's been a good approach for me. One big thing is that since my finances are volatile I was very conservative in my purchases so that I could sleep at night knowing that I could cover all my debt and have a decent runway if the worst did happen and I had a hard time finding work for a long period of time. If I would do it again I would be very tempted to just grind leet code as hard as possible and apply to a FANG company as it's going to be really hard to beat the total compensation from one of those companies even as a contractor and there is a huge amount of stability. I can't predict the future but we're obviously in a turbulent time right now, if you're looking to start a family I would probably weigh stability pretty heavily right now.