I can’t stand software development. I hate the work, hate the people, the culture, etc. The idea of continuing this until for many more decades is sickening. Additionally I’ve pigeonholed myself into an area of the industry that’s is particularly draining (though not for the reasons you may thing).
Money is not a huge concern to me, but if I’m going to have to do something I hate 8+ hours a day, I would at least to prefer to be making enough money to distract me from it. I’m not anywhere near there at the moment. I’ve considered maybe just doing the leetcode circus and trying to land mind numbing FAANG job so I can at least have the luxury of otherwise unheard of money. But it’s not ideal and I’m not sure I’d be cut out for it. I’ve never been a particularly good software developer compared to many of the people I’ve interacted with.
I’d gladly accept less money (within reason) to work on something that excites me, but that’s about the least likely scenario, between the narrow and poorly definable category of what I would find enticing and the basically impossible to obtain requirements on the fee jobs I do see.
I’ve considered going back to school, to try something else, and was actually very close, in fact I nearly registered for classes. But I can’t afford it: not the monetary cost, not the time cost. If I could magically pull tens of thousands of dollars out of my ass tomorrow maybe, or if I wouldn’t be well into my 30s by the time I finished, it would be a different situation. Even then it’s unheard to go from software to anything I’d be interested in.
2. You're also trying to sabotage change within yourself by saying "oh, but it'll take so long/be so expensive". You were not done the moment you left school. That's a common belief that is imposed upon young people, but carried to its conclusion, it's rather ugly and implies that you're either a huge success or eternally damned at age 30, and all events after that point are handwaved away in a Logan's Run fashion. 30 is more commonly a point where people in our society start to get a sense of their actual career path and shift from "consumers" of the current culture to "architects" of the next culture; what preceded that was mostly performative in the average case, a demonstrative adulting to "make the grade", and employment as a footsoldier for this or that ideology. You are cynical about this behavior already(hence your low opinion of the FAANG stereotype). It is therefore time to let go of youthful impulses and seek reflection.
3. This is the point where you should go study the extracurriculars you bypassed the first time because they weren't "practical". You can limit it to one a semester, night classes, online classes. You don't have to rush into a new degree. Through works of art, studied or improvised performance, sporting achievements, philosophising and general appreciation of the human condition, you can loosen the grip on things you have come to hate and start taking some new ones. The arts never have to become your profession, but they will let you see yourself better.