I’m also 32. My salary is over 100k now but life was very different in my early 20s.

I didn’t know what I wanted to do when I left school/college, went to university and studied something just to go to university. Luckily came out with a 2:1 in a STEM subject.

Worked in hospitality during university to help pay for rent, fell into it after uni until I got bored of the lifestyle and started applying for graduate roles, mainly tech based but ones that didn’t require a computer science degree.

Got into a grad programme that trained you up in business analysis, soft skills, and taught me about databases and coding languages. Required a STEM subject and a 2.1. There are also apprenticeship programmes for those without degrees.

First two years salary was very low for London (23k & 28k) but after that the salary exploded, spent a couple of years ~50k then up to 80k and now over 100k.