I'd probably wait it out for another 12 months. You can use your bored time to make more concrete startup plans; it sounds like you don't have a startup planne

I'd probably wait it out for another 12 months. You can use your bored time to make more concrete startup plans; it sounds like you don't have a startup planned out that you're desperate to attempt. There is no reason why you can't plan what you want to do for a startup while you're still employed. Having the money will presumably give you significantly more opportunities after you do quit than if you do it while having to worry about how to make money, so it's not like sticking it out is damaging your future startup or freelancing -- it's probably helping it. Actually, I'll make a rephrasing: I'd wait for around 12 months or until I wake up one morning with a startup idea that I can't imagine not trying out, planned in a significant amount of detail. Whichever comes first.