I love your positive outlook on life man. You being a programmer I believe you'll be living a nice life at age 40. My goals at 22 are to finish my cultural anthropology degree and either get a job from there, go to grad school, or go to law school. My skill in writing will enable me to do all three. I also plan on making money through the exchange of cryptocurrencies. As a programmor, I encourage you to try ethereum mining or something along those lines.