But maybe programming is not your real passion? I am in a similar situation right now yet again. I saw that after a year (two years max) I get bored with my job and couldn't care less and then I start looking around, change jobs and the circle begins again. This time I realized that I need to break out of this pattern because it is leading to nowhere. I am scared to start on my own, but maybe it is just what i need? Maybe if I am out of my comfort I will be actually forced to be active and do things instead of thinking about them and complain. So, maybe starting on your own is something you actually need, as well?