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One factor you left out of your equation is age.

26, so I think I fall into the youngster category I've never had a job I really hated -- I guess I've been lucky -- I just have a sense that I could be enjoying things more. It's like I mentioned above, that this job doesn't totally suck makes it significantly harder. It really comes down to whether or not I would rather "make my own destiny." I feel confident that if I fail, I can find another job, albeit probably with a lower salary than where I am now (having been one of the original developers on the software they bought, I know a lot about the system, so I'm more valuable to my current company than if I just walked in off the street somewhere else).