The real question should be what type of life do you want to live? Each individual you mentioned will have different expectations for paying for a service. That will reflect on the type of life you personally want to live. So first, start thinking about your life and how you want to live, what type of clients do you want and then start building customer personas. From their you will get a general idea of who you want to serve, hence where to create your niche.

Let me know if you need more guidance, I'm always open to helping you.