It's not that hard - orienting your life around becoming rich is clearly a trap and, as for the remaining two options, it's better to make more money than less as long as the job doesn't suck too badly.
I'd say - set yourself a comfortable base by selling your time and talents (ex. by working as a programmer) and then, if you have enough spare time, do what you love. Going 100% after passion is as dangerous as going 100% after money.