i don't know what's going to work for you. you gotta figure that out. i'm smart enough to be able to navigate the legal system; maybe you're not. and, let's be frank - i got lucky. i got an opportunity for a big payout....
what's important is that you stop giving up on yourself, and that you stop accepting this idea that there isn't an alternative. there is a way out of your boring job, you just need to sit down and figure it out, and then take the risks required to make a go at it. playing it safe is just going to leave you stuck in the cycle of wage slavery.
i can't tell you what you want, or how to get to it. but, i want to plead with you to try and find a way out.
or, maybe you're ok with working on somebody else's schedule, for somebody else's benefit. maybe you're happy in your slavery. maybe there's comfort in the shadows on the wall....