Disclaimer: this is what I did, wouldn't recommend it to everyone, YMMV, etc...
In your case, I would focus on being honest with yourself and force yourself to think hard what's going to bring money. In my opinion, "do what you like and money will come" is bullshit. Your first goal is financial independence. All your ideas probably have various degrees of how they can be monetized.
Some of your ideas might be that "really cool thing" that you like working on, but deep inside you know chances of it making money will be lottery-like (yet another todo-list, a video game, the next cool social network, etc). Your most boring idea that's a lot of pain in the ass to work on will probably be the most successful one.
Personally for me, what I did was talk about my idea with a cousin of mine. He got really interested in it and now we're working together on it. I would recommend talking to other people (your wife, your kids, your friends, etc) about your idea and see if you can get them excited. I did - and I got even more excited to hear their excitement.
Also, always try to set goals. Both long term and short term. When you see that you are achieving those short term goals, you'll feel like you've accomplished something and sooner or later, hopefully it'll snowball. Good luck!
If you don't have a plan, a proven business, or clients, then the probability of you spinning your wheels and going broke is very good.