I can relate to what you're describing and can only speak from my own journey. The recurring thought of needing change haunted me for years. Financial stability did play a crucial role in allowing me the flexibility to make significant changes. One of the toughest challenges was the idea of letting go of something I had poured so much into over the years.
Before launching my business 6 years ago, I faced a similar crossroads while feeling trapped in an unsatisfying job. With just three months of savings, I took the leap into starting my company, which, fortunately, turned out well. It underscores that there isn't a universal solution; it really depends on each individual's circumstances.
What pushed me to start writing this newsletter was a profound sense of lacking purpose. That feeling of purposelessness eventually outweighed the fear of stepping away from the business I had built.
I hope sharing this provides some clarity.