[avgDev]

What field are you in?

You could switch to a corporate job for steady income and it usually comes with decent benefits.

Honestly, you really want to budget very well. We are planning on having a child sometime next year. We created a plan. Bought a house, remodeled. Now, we are going to aggressively save $50k, so we can survive 12 months without any income if we ever need to. After we save $50k, we will focus on aggressively paying of the house, and investing 1k a month. My health is so so, therefore I am not sure how much time I got.

As far as career goes, I will most likely start consulting in a few years, as I have experience with the full life cycle of applications, even forcefully extracting requirements.