The way to have good ideas is to get close to killing yourself. It's like weightlifting. When you lift slightly more than you can handle, you get stronger.
In life, when the gun is to your head, you either figure it out, or you die.
When you cut yourself open, you bleed ideas. If you're broke and close to death, you have to start coming up with ideas.
If you destroy your life, you need to come up with ideas to rebuild it.
The only time I've been FORCED to have good ideas is when I was up against the wall. My life insurance policy was like a gun to my head: "Come up with good ideas… OR ELSE your kids get your life insurance!"