For me that's where side projects come in. I'm working on Maths teaching software [1], which allows me to combine my teaching experience (figuring out what feedback to give as students work through problems and when) with my (limited) technical experience (which admittedly has been 80% gluing libraries together!).
The day job still pays the bills but finding something that interests me personally while also offering potential future rewards is what keeps me going.
[1] https://blutick.co.uk/demo - alpha stage right now