>My advice is keep doing your stuff, but aggressively start building your product-based business on the side.
I've been trying to do that for the last decade. I apparently have what it takes to do rather better than rent-a-coder, but my business skills aren't nearly enough to be "opportunity cost profitable" - I can make rent, but I'm not paying myself nearly what one of the local big companies would. Hell, right now I'm contracting to one of the big companies, and spending the money getting my own company back up to snuff. (and again, it's an education. Contractors, if you do the math, make about what 'base salary' would be for the position as an employee. A decade ago, this was also true... the difference being that a decade ago, base salary was pretty much total comp. These days, bonuses and regular stock grants are the norm and make up a large part of compensation. And if you are a contractor? you don't see that money... either it goes to the middleman or contractor bill rates haven't risen with full time compensation. Either way, it's another example of how technical people get paid worse the closer they are to a "free market")
From my observations? (and always consider "you shall know him by his fruits" when listening for advice; People who aren't successful, obviously, don't know how to become successful. So look at successful people, and look at what they did not what they say) From my observations, a lot of business is like getting a $BIGCO job. A whole lot of it is who you know, not what you can do.
My next project, actually, is to get myself into an elite college. Now I don't know if I can pull it off, I'm not saying it's going to be easy... but if I want to get rich, as far as I can tell, the contacts one acquires at an elite college are far more valuable than any amount of actual skill or effort I put into an actual product-based business.
edit: re-reading, I sound kinda bitter, and I'm not, or I shouldn't be. I have a comfortable place in this economic system; I'm certainly not at the top, but I'm pretty far from the bottom. I'd probably be doing worse in almost any system that most people would consider "fair"
Further, if I really was great? or, for that matter, if I hadn't made two or three of the mistakes that I made, I would very likely have become rich off of my own product business. You can succeed that way; I was close enough to see the possibility. But the point is that I did not. I wasn't good enough, while I am good enough to get a pretty cushy $BIGCO job.