I had a nontraditional background, and was labeled as a gifted kid. At your age, my dad and I were trying to get a software company off the ground, based around products I had created. That was a mixed experience - I learned a lot from it, but it was pretty stressful. At age 22 I decided to go to grad school (not having gotten my undergrad degree btw) and that turned out to be the right decision. I'm not saying what…
Why was it the right decision?
I also benefitted from a first-class (UC Berkeley) academic computer science environment. My masters work was on static memory management for ML-family languages, which turned out to be excellent preparation for Rust. The study of algorithm theory has helped me develop parallel GPU algorithms.
Now I work as a researcher and am doing what I love. If I had stayed on the business track, I might be richer in dollars, but not as happy.