> Im really thinking to create or start a business myself. ... I think the best fit at least from my ignorance is some type of SaaS. ... What are your thoughts on this?
It's a great idea. Starting a business will open you up to a whole world of new skills. As a programmer, you can probably start something with zero capital, just your free time, so the risks can be generally low. To make it successful, it will eventually become all-consuming, but it doesn't have to be at the start.
I've started two SaaS businesses, one successful, one not, and looking back I still think the most gratifying moment is going from $0 in revenue to $1. Doing that still takes many nights and weekends, but you can still psychologically treat it like a hobby. The emotionally hard part comes after that first dollar, although you should just cross that bridge when you get there.
Happy to chat more about this offline if you're really interested, feel free to lookup my profile and email me.