Option 2: Startup. You will probably fail and this has far more to do with factors beyond your control than anything else, but you have a shot at being your own boss on your own term. Very low expected value, tons of stress, but potentially the best outcome.
Option 3: Academia. Go back and get a PhD in something you love and teach. You will probably be an instructor, as tenured positions are rare and highly competitive. There is also a lot of nepotism and favoritism in the more subjective fields. Low reward (financially) but relatively low risk and lots of lifestyle benefits if you aren't materialistic.
Option 4: Low cost lifestyle. Move to a low cost country and consult via online work. I don't have any experience with this option, so I don't know how risky it is.
As a meta-observation, only option 1 makes any sense for someone wishing to form a family, which is psychotic.