MBA (Score 1)

You could go back to school for a few years and get an MBA. With skills in technology and management you could probably find a decent paying job somewhere much cheaper to live than the Bay Area (even just a few miles east in Sacramento). You could also switch to accounting and become a CPA. I know someone who gets $100 bucks an hour to do consulting because she is a CPA whith programming skills. She can come in, tweak, and fix a company's accounting systems and communicate with the accountants who use it in their language.