I have similar problem. I'm a freelancer, charging $200/hr but it still doesn't feel good enough. As soon as I stop "running", funds are burning down fast. I'm spending about half of my time building side projects (eg nutritionanalyzer.app), but none of them generate any significant money.

Thinking about selling niche enterprise solutions, but this is boring as hell.

YouTube is thriving, maybe I'll focus on it next year.