I have a somewhat comparable history: I've taken a decade to get to the point where my bootstrapped SaaS ARR income is about to surpass my full-time consulting income.
It has taken about a decade of switching back and forth between consulting and working on the SaaS until I run out of money. Some consulting stints took a few months, others a few years, depending on our needs.
As I grew older, our needs and risk aversion in the family increased, so I just took on longer or more financially interesting consulting assignments, to grow a bigger buffer and allocate some extra assets.
I'm quite sure that, if I had just been consulting the last 15 years, I would already have been able to retire (owning more real estate and other assets).
However, my life would have been very different, and every single time I took on an ad interim assignment, I noticed the impact of my SaaS building experience was a big plus for my consulting assignments...
I'm not saying it's all rainbows & unicorns - building a SaaS is romanticized a lot, but IME it's an infinite game that requires a lot of grit, and as you grow you move the goal posts, so you're always in "hard" mode -, but I beg to differ that it has led to a more interesting life for me personally, as I tend to get bored quickly.
I have a few friends that built, sold, and could retire, but every single one of them has started building something new...
You need to love playing the game and be willing to sacrifice things, as the odds are typically against you.
To quote Simon Sinek "The only true competitor in an infinite game is yourself." [0]
[0] https://twitter.com/simonsinek/status/1433808001375277080?t=...