Some statistics that will show you that time is on your side:
The day has 24 hours. Everyone works only 6 hours a day (discounting weekends) and sleeps another 8 hours. That leaves you with 10 hours you can use to study and discover yourself.
If you go to college, you will endure 2 years of basic math/english shit and 3 years max of professional studies. Well, on any 10 year stretch that's enough to fit more than three degrees.
So if you don't spend your entire day with pasttimes like games, drugs and jerking off, you can spend that entire time to develop yourself.
Do courses, spend some money on your education. ASK FOR HELP. I never turned off anyone that cold called me asking for help or orientation. People are good.
Now, you need to look at yourself and see what type of person are you. What motivates you. Look at the soma experiment and you will see that money does not motivate anybody.
The above study is dissected in the book DRIVE by Daniel Pink. Worth reading.