To satisfy the "must do" area when the other 3 are aligned, you need a way to deliver that value to enough people.
For example, I may be able to write well enough, and I may enjoy it and feel fulfilled doing it. But that alone won't pay the bills. I need a way to share it with others in a way that they receive value from it.
This takes time and patience, but a great way to start out is to provide that value for free initially. This will build your skill and also some referrals (who doesn't appreciate free?), and it's only a matter of time before it becomes income generating.