Am I crazy to switch from Software to Finance?

I'm in NYC and I do design, dev, and marketing for a software company. I have non-liquid options and a decent salary (call it $140K).

In NYC suburbs, with my current family situation (I'll spare details) I need more monthly income.

Assuming I want to max out short-term cash, should I:

* Shop for another full-time software job (how much higher can I get?!)

* Start doing freelance software dev/design consulting

* Try to get a banking job

(A few of the guys I ride the train with are making 3-4X my comp in hedge funds and i-banking, which is why that's on the list.)