It is helpful to stop and ask yourself how you feel about your life. If you are truly content with your life, there is no reason to change. However, if under the surface there is this nagging feeling, thoughts that you wish life could be different, you wish you could have the courage to do what others are doing or follow through on some ideas that you keep pushing down and trying to ignore, stop and acknowledge this. I believe the greatest downside to living a predictable life is a lack of growth and life experiences. You get to the end of your life and realize all that you had missed out on. The places you never went, the people you never met, the experiences you never had.
Sometimes it is fear that keeps you in this place. A fear of the unknown, fear of how people will treat you, fear of starting over in a new relationship, job or church. Fear of what others will think about you if you change. Fear of disobeying God by changing something in your life or belief systems. Fear of something bad happening to you if you change. Fear of life getting out of control.
Other times it is a lack of knowledge, resources or money that keeps you stuck living a predictable, safe life. God has given each one of you a life of unlimited potential, the ability to grow physically, intellectually, relationally and spiritually. Each week challenge yourself to grow a bit more; read a new book, taste a new food, drive a different route home, listen to a different style of music, make a new friend. The more you do this, the easier it will become. Seek a balanced life, some stability mixed with a sprinkling of spontaneity.