I don't know if my goals are anything so lofty as setting my family up "for life", but certainly, part of the issues are economic and, to some extent, money can cure them.

I'm not a low-income individual--certainly not by non-SV US standards. But I started this business with $200 to my name and a high personal expense base, and ground my financial history and financial position to powder as a result. I also lost big on an upside down property in the housing crisis, a still ongoing matter. The volatility and sliding-backwards stress of self-employment in a non-scalable niche is a big part of my stress, with cash flow being the dominant stressor; a highly volatile $200k income can be effectively discounted to like $65k. I'm often envious of people who get paid a good salary to just code and not have to think about anything else.

However, I'm capable of conceptually and emotionally disentangling all that from the question of whether I fundamentally like programming per se. I'm still burned out on it in the best of circumstances. If money were no object, I'd do it a few hours a week to meet some functional need, but I doubt I'd be writing new software.