Photoshop and making money.
At my age I am not going to make a career change, but if I wanted to make money with photoshop I would visit places like Mail Boxes, now the UPS store and offer my services to these people. These people provide graphic services to a variety of small businesses and most of them have a little skill in making business cards, letterhead, etc. You could expand their service by providing them with some more sophisticated art work which would give them a larger potential market.
I have friends who have started a business and had cards made that looked just plain amatuerish. I spruced up their image created a small web site for them and gave them an illusion of professionalism that they did not posses before. While I did this as a favour surely I could of charged them if I had wanted.
Remember you have an imagination that you can transfer to a digital media not a common skill by far.