You might not want to hear this, but I landed on the fact that I should get the highest paying job I can, and actually work until I'm around 35-40 and have a mortgage paid off and a bit of cash in the bank. At that point I can pretty much coast on easier jobs and do 6 month contracts / 6 months no work for the rest of my "career". I can stomach working for 6 months if I know there is a long break each year.
Either way good luck. I'll be monitoring this thread for more ideas :)