I'm feeling the same at the moment. 25 and been in a stable job for 5 years after leaving uni coming out with about £20k/year, will progress to about £22.5k in a couple of years. Living in the North the wages are lower, but it's also a lot cheaper to live. I love who I work with and don't mind the job either, could quite happily do this for a good while yet.
I don't have any money issues, no debts bar student loan, have loads of disposable income and currently saving for a house with my girlfriend. Go on holiday abroad once a year, have 2 cars and a rally car project. There's nothing more in life I need.
However I have the nagging feeling that I'm not achieving my full potential. I graduated with a degree from Durham Uni after flying through GCSE's and A levels with top grades. The graduate job market was so competitive when I left uni, I went to a few interviews for big city jobs but didn't make the cut, so settled for an average job close to home.
I did software engineering at uni and my job does make use of those skills, but over time I've came to realise I'd rather have done something more hands on at uni, engineering of some sort. Computers were always my thing but now I fancy a change.
I'm afraid of reaching out and making the leap, what if I end up in a job I hate or somewhere with no job security. On the other hand I see no route for progression in my current job.
My ideal has always been to run my own business, I enjoy and I'm good at working on cars, I repair other peoples cars at weekends as a hobby. I also really enjoy plumbing and it's something I feel I would be good at.
Sorry if this post is a bit rambly, just happened to be about something I've been thinking about recently so decided to get it all off my chest!