[seanrrwilkins]

I've been back and forth as an FTE and contractor for the past five years, and it's been nothing but beneficial. I use the contracting to gain a variety of experiences with different companies and screen them over time to evaluate whether I want to work with them full time.

The variety of experience is key as you'll hone your problem solving skills in a more valuable way than in your F500 gig. You're forced to get scrappier and deliver consistently in a tighter timelines. It just forces you to be better.

And as a programmer the world is your oyster these days. Do the work to zero in on your specific skillset and language/product focus so you can better target you outreach.

Starting with an agency can be easy, but they'll take 20-30% and limit your opportunity for a direct relationship with that client. You could ease into this with a few months of side work while you keep the safe F500 job. Build a couple clients in your portfolio and break out when your personal pipeline equals, or beats your current salary.