Money might not be everything, but it certainly is something. This is especially true when comparing consulting (something I genuinely quite like doing, it's almost totally bullshit free) with running my own SaaS startup (which also seems attractive, but would involve doing more of the things I dislike than now).
Still, to be clear, I absolutely do want to make side projects happen. It's just hard to keep the motivation up when there's a steady flow of interesting projects from clients which have immediate, guaranteed revenue attached to them.