Sounds like you know it's time to go full time. Working from home would be a real blessing for you with the new bride and when your child comes. If you really like the work you do, maybe you can do it from home too, but in less time? Or ditch it entirely of course, but I get that you have to be completely mentally in the game to do that. It's a hard habit for some to break.
I don't have ideas for your steem power use, but maybe some questions will make you come up with an idea. Is there a way to use your SP to help get the communities function implemented? Combining your SP question with your photography quality concern, could you create a site that is an art gallery of sorts?
I don't know how people create all these outside sites that are linked to steemit, but using that concept, and creating something like steemgallery.com where the goal is for quality work to be presented, whether it's photography, painting, or drawing etc. Does that make sense?