then ask yourself - what have you done in order to have interesting job, projects, challenges, etc?
I mean, if you decided at some point that $big_salary for throwing JSONs via REST from CRUD app
is what you want to do until you pay your loans (e.g decade), then it's fine, but don't be shocked that you aren't doing bleeding edge R&D at some fancy place.
Like what prevents you from putting effort for year? two? and switching from X to Y?