I have approx 6 months salary saved. I used to have more, but some home emergencies meant I had to eat into some of my savings recently. The government here decided that pursuing austerity for years without end was the way forward, and began implementing all sorts of new taxes, so I get paid the same as I did 4 years ago, but bring home approx 20% less. Same government policy has forced countless local businesses to shut down, meaning that there are very few job openings (programming or otherwise) available for the last couple of years. So I could quit now, manage approx 6 months payments and then stand a very good chance of still having no job. That or stay where I am and post about how my life sucks on HN.
I've been in a similar position for the last 3 years (of a 9 year stint at current company), and your story does resonate with me. I am bored at what I do all day long and have lost the passion for doing any sort of programming in my free time. I've considered leaving a few times, but I always take a look at what sort of openings are out there before I hand in my notice, and the answer is: "there are none".
There has been one programming position advertised in the city I live in in the last 3 years. That company has since closed - as I suspected it would (the entire team of 10 was Polish guys and gals and as it turns out they just wanted a presence in the country and farm out all the work back to Poland). Programmers in the US are totally spoiled right now, as there is a huge demand for them, but its not the same elsewhere. A number of other software businesses have also shut down or retreated back to their base.
Life may be too short to be bored, but its also too short to become penniless and homeless in a few months after quitting because you couldn't hack it anymore in a dead end job.
