I have found my evil enemy. Once your business gets to a point that sustains you and your life style - complacency sets in; this is especially true if your doing something like University while running your business. It's so easy to say 'Oh well I am doing this... and that.. bla bla'. With web development I found you reach this complacency stage fairly early (2nd year), because once you build up your clientèle you have a steady stream of work @40/hr. I have been in this slug mode for the last year.
I know I could make so much more money, but the motivation just isn't their like it used to be when I HAD to make the money.
So being as I consider myself a fairly average person, I figure everyone else also goes through this problem. So I will put forward a question:
Are you working as hard as you could be?
If you are, how do you motivate yourself?
If your not, why aren't you out their grinding? I know you love money, what's stopping you.