It sounds like you see yourself limited by time, not ability or even money. Since you're a programmer you probably have the intuition to seek out other good programmers. So what you can do is search for a technical partner to create some type of lifestyle business where you can split the profits. I'm sure with all your client relationships you might be able to come up with a few good ideas that solve some niche problems, and you'll even have a starting base of customers if your solution caters to their problems. From my own perspective, I would love to work with someone technical albeit with little time to jump on a side project with me. Even if I was the primary contributor, knowing that my partner can bring money, connections, and technical ability is an enticing proposition.