I highly advise u choose safe routine, while spend your spare time on side projects. You can always find sparks on HN or Indiehackers websites, or some Internet Marketing related forums.

Do you know PHP and wordpress? I personally have a very big project idea, but only need a very very high level technique involving design a wordpress plugin using PHP, if this can be done, it would be a very good side project and passive. (no need big investment, the plugin is the main goal)

good luck to u and your family.