On averages Think of each day as a contribution to your overall batting average of activity. For instance, some days you will hit a home run (or two, or three), and other days you will barely make it to first base. This is natural, because in a state of growth, you cannot possibly expect to be consistent and steady 24/7. However, there are some things you can make steady. For example, if you're a baseball player, you might not hit a home run every game, but you can practice to be a better batter every day. Similarly, you may not write a genius article every day (or every month), but you can still put words on paper. The new system you are trying out to enforce some good habits is excellent because it makes sure that—if nothing else—you've done the core things that matter. Hold yourself accountable to this, even on the unexciting days.
On enterprise You offer your skills as a service to other people, but I can't imagine that your abilities to write for yourself are perfect for every other person on the planet. You have to be very picky and choosy about who you decide to work for—if anyone at all. It's possible that your best path in the long term is not to ghostwrite for others but to build sustainable, steady income around your own writing practice. After all, when you take on your own voice, it's hard to argue that your ghostwritten articles are better than that. In the meantime, though, I'm not telling you not to pursue the work, because you will improve your skill immensely. Your articles and writing for others has already grown in quality tenfold and will continue to do so. However, think about this grand growth in skill as part of a broader plan—to make yourself a better writer and make yourself more capable to do your best work for your own audience.
On putting your back against the wall Though you don't need to move out anytime soon, it might be an excellent strategy to instill some fight in you. You are comfortable now and that is your enemy because it allows you to stagnate. You don't have to take on certain deals or business opportunities because you, in all honesty can say you don't need the money. However, you may experience much more growth if you do need the money and are forced to learn from those experiences.