How to take risks in this business?

Question

Career in IT

Good afternoon, I work with layout and CMS. For 2 years, it turned out to make a good speed of work, loyal customers, and income fluctuates around 90k. But the problem is that at the age of 21 there are goals that you really want to achieve further, program complex things, learn new things, and of course dream of working in a large company. I thought about cutting the number of orders by half, and devoting 5 hours to studying new ones, but how to overcome the decline in income, the psychological fact itself, loans, families - no, I’m not very dependent in this regard.
The problem is that now the orders have become the same type, the same layout. The work turned into a project to be completed. Gone is the moment when you spend hours solving a problem and don’t even notice it, and in the end you are glad that it turned out, that you learned something new. And even if there are new tasks, for example, that come to Bitrix (a new system for me), yes they are interesting, but I understand that studying this system will not lead to goals in any way. Yes, php is already there, but it’s still working with the API for the most part, and writing something of your own, inventing a logical chain is not there (for example, when we write our own engine).
These thoughts have not left me for a couple of months, but the last few days it has been very difficult to cope with it. Does it make sense to take a risk, lose some of the clients, start learning laravel or react (still deciding), and write projects on them?

PS Someone may say that you need to get a job in the studio, there will be more experience there. Maybe in the studios of large cities they are thinking about increasing the skills for their employees, but in my city, an employee is this person who should bring money. If he knows how to make layout, he will do it, bringing income.

I read here often questions, and I know that there are many people with experience. I would appreciate any point of view

Answer 1

but how to overcome the decline in income, the very psychological fact

no way. Either you choose one path and accept all its sides - a steep development and a falling income, or another - a good income and a boring job with no prospects.
Specifically for you - without a family, loans, mortgages, this is a matter of purely personal choice, you have no obligation to keep income at the same level.
One of the important skills is the ability to make these choices and take responsibility for the negatives as well as the positives.

Is there any reason

Every day there are a bunch of questions "does it make sense for me to do this." Who knows, at the age of 21 it's time to decide for yourself whether he is for you or not.
PS. If you don’t really care at all, and the desire to avoid a drop in income is much stronger than your need for growth and self-realization, then you can still try to earn the same amount in less time. How to do this - there is no magic solution, think for yourself. For example, move to where you can get both. Or something else that is available and suitable for you.

Answer 2

Do you know what I would do in such a situation?
Delegate work.
And customers would stay and there would be an opportunity to develop.