I want to get enough time at $MEGACORP to have FU money. After that, my fear is a lot of smaller companies are working on thing even more boring, but with less scale. Gluing a domain-specific API to a few LLMs sounds boring. I got into tech because I liked learning it, but a lot of it is getting repetitive.
No such thing as FU money. As you get more you want more, or if you don't then your spouse does. There is such a thing as "I can tolerate a 3-6 month job search no problem and not jump at the first opportunity" money. It makes 90% of the difference, especially in the long run.