I completely agree with this approach. Also I wanted to add that I know it feels hard and at times it is but starting small and finding a niche that doesn't feel so hard is also an option. You don't need to be a developer to make a living, you can also be a system admin, tech support or a bunch of different things and that could then become your '20 hours a week as a ____' as mentioned above, while you keep working on becoming a developer.