You must live outside the US. In the US If you’re only looking at expenses many full time jobs can get there in 3-6mos too. And not even big tech
Sure it’s nice to have the choice to not work between engagements but again you’ll be back to finding the next one
If you bounce from full time to full time with 75% unemployment you are a no-hire many places and almost universally in a downturn. Consulting and contracting is often used to be vague and even pretend you are unsuccessfully looking for contracts a lot of the time precisely because that is the reality for many and more acceptable for many types of employment.