You know this piece of advice that goes around LinkedIn every so often?

"Choose a boss, not a job"

Take it. A great boss from who you can learn, who will root for you and push (and sometimes pull) you further is worth a hundred times what the job description says on paper or the company name on the door.

(edited)

Take the long road. You are lucky to have a pretty decent view of where you want to go, so navigate backwards from there:

1. Long term, you want to create a company. Let's take this as your end point for now (ideally we'd know what the underlying assumption here is, but fine)

2. How best can you prepare yourself for this? First, you need a little bit of financial cushion (which you should already have started building since you've been a consultant for a couple of years); second, you want to start this as a side gig so you want some spare time; third, you probably want to develop some specific knowledge and other resources

3. Is the best way really to get another job now, or should you shack up with other cash-strapped founders (or back to mom and dad) and just launch your business today?

4. Insurance has the advantage of not being sexy, so you have comparatively fewer outstanding people going into it -> might be easier to make a name there, and identify opportunities. For example, there's still a lot to do in terms of automatic quotes, removing layers of fees, educating the customer... (I spent 8 years in that industry - trust me, it is still overdue for a change)

5. Finding a job that will leave you with time to spare isn't necessarily industry dependent however. In every company I've worked (besides BCG obviously), I've seen teams doing 40 hours on a long week and others doing closer to 60 as a matter of course. The point is that your team / boss may dictate your schedule more than the company / industry. At the same time, folks who work more often also do cooler stuff or have better long term prospects. Yes, there are exceptions obviously, but you get the idea

At the end of the day, I want to issue a challenge to you: why wait? If you know what you want, do it now. Just like getting married, having kids, buying a house, planting a tree... there will never be a 'perfect time'. Tomorrow, you will wish you had done it today