I think I'm in the same boat as the OP, and this comment resonated with me. When I started programming nearly a decade ago, I had an abundance of intrinsic motivation. I was so excited to learn about software, how to build websites, phone applications, server applications etc. That drive was a genuine passion and love for computers and software and it carried me nearly a decade in this industry through some amazing challenges. I've grown more than I could have imagined.
Yet now in my mid 30s... that passion has really dwindled. When I wake up on a Saturday, I'm not rushing to get to my computer to code. I'm more interested in relaxing, getting outside, or just doing something else. Yet in the back of my mind is a constant pressure, a constant reminder, that I should be productive.
There's always more to learn, and didn't I struggle to write that regex the other day? Didn't I want to finally dig deep into Tensor Flow? Wasn't I going to bust out the breadboard and get into some hardware design?
Why don't I feel like doing any of that now? Why is the only motivation, money?
Like the OP, the only thing that seems like it could light a fire under my ass would be some big monetary opportunity. I could get excited to build a new app, or a new server project, or website, if I knew I stood a good chance of really changing my life for the better.
I think that as the novelty of programming wore off, the only thing left was money. Initially I was motivated by wanting to understand everything. I truly didn't know how to make a phone application, and now I've made many. I didn't understand how to build and deploy a website, and now I've done that many times.
What's left? Where do I go from here? I really have more questions than answers. With another 25-30 years of "work" to do, I'm really confused about what I will do.