I agree with @RoiBox its about saying no to income when you don't want to do whatever you need to do for the money probably a 9-5. The whole coffee scenario you can do for free you've just gotta be that sort of person
I once charged £100 to plug in a computer. I was interested to see what I could get away with, they paid on time without fuss. I also once charged £30 to listen to someone tell me what they thought was wrong with a program they'd written.
Every site I've built in recent years has shown some kind of sandbox including completely whitehat and fairly blackhat. All different niches, some building links some not. I build in a year of time into plans cause of sandbox.
You need to test both. I've got one site, I started with AdSense, moved to ezoic as I was tempted by possible earnings, income went down so back to adsense and backup it went, now trying monumetric and back down the income has gone, I'll probably give mediavine or adthrive a go if they'll accept...