I find it unlikely a programmer, no matter how good, would make it big. There are exceptions, sure, but globally programmer is not a highly paid professional like a surgeon, for example.
I don't think there is nothing wrong with a steady paycheck and doing a job that engages ones mental faculties.
I'm soon 40. I enjoy puzzles, delivering value to demanding end users and getting feedback from my work. It's really nice when a feature you've implemented gets good feedback and customers discuss about it publicly.
So, I suppose in 'boring' tasks I'm motivated by delivering end user value for demanding professionals and the occasional math puzzler or investigating new algorithm or technology is just sugaring on top.