So, even though you hated your previous job, you obviously did well at it -- at least well enough to save-up a nice nest egg. Let's presume that you will progress over time from crappy programmer to a solid one. Anyone like you will get at least that far and likely much farther. The question at hand is simply what you should do to facilitate this progression. Have you considered solving some small but pesky problem which you know is common in your industry? A calculator for compliance with Governmental Rule XYZ? A converter between two 90's era (or worse) file formats still in use within your previous industry? I have no clue what you did before, and I probably wouldn't know what projects to suggest even if I did. My point is only that you can make-up for being a mediocre programmer with deep knowledge of a specific industry. If Patrick can make $30K+ selling bingo card software to teachers, you ought to be able to do similarly in the niche you know well. To avoid having to be a good salesman, maybe you put up a website with the file converter thingy and then sell premium advertising space to vendors in that niche.
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