I've tried that a couple times (and my saving are growing, I'm at 30-50% of early retirement goal already). I just find it super-hard to hold on a boring job for longer than 6-12 months, and I convince myself that I should quit and do something else (my CV is pretty spotty because of that).

If I had a guy that comes and whacks me in the head every time I think about quitting a job, I'd probably already be retired.