At 47, I am an older guy already. But in my generation, people who went on to be programmers usually started tinkering with code at ~ 11 y.o. (back then on ZX Spectrum and similar cheap beasts available in freshly post-Communist Europe) out of interest and passion, not because of "I want to build a lucrative career".
(Given how massively widespread piracy was back then, programming looked rather like a good way to do hard work for free.)
Money matters, but coders who were drawn into the field purely by money and are personally detached from the substance of the job is an unknown species for me.
"You can also solve problems as a local handyman"
That is NOT the same sort of talent. My fingers are clumsy; my mind is not.