So, essentially, you've got a band together but don't know what sort of music to play.
You've also got issues with income but video games are unlikely to make money in the short term so, I'll just concentrate on the first issue.
First of all, you need a project you're all passionate about and think is worthwhile to ensure everyone has motivation. Maintaining a four-person team over the long term is very difficult, and you must be prepared for people to drop off, whatever you do.
It feels like you have good communication on your team, so that's an excellent start. You just need the much maligned 'ideas guy'. Maybe schedule a meeting on Zoom, or Discord, or however you do things, for a week's time, and ask people to write down ideas for that meeting (no matter how vague). These could be ideas in terms of theme/ genre/ story/ tone/ mechanics/ existing games to draw inspiration from/ art/ whatever. In the meeting, you could go through these and see what makes people enthusiastic.
Coincidentally, a lot of people have been writing on this forum lately struggling with ideas, and I wrote a thread here to try and help. Hopefully you'll find this useful.
Wish you luck :)
Edit: At some point, you're also going to need a leader. Once all the ideas are on table, someone's got to be moving things forward. It might be that this is you.
Further Edit(!): As @Magicsofa says, do not worry at all about being nearly 30- that's a great age to start out!