I’ve mostly freelanced as a programmer, with only two multi-year 9–5 salaried jobs, both times as a teacher (in a high school in my 20s, in a code school in my 50s). My wife was likewise a contractor, as a bookkeeper specializing in nonprofit fund-accounting, plus she kept our partnership’s books. We were an efficient little consultancy, and family household. Since she died of breast cancer in 2007 I’ve had to morph the business into a sole proprietorship. I’m 58 today. Anyway, since the technology is always changing (though some parts stay relatively stable), newcomers have a more level playing field than in many industries. I think you’re wise to be open to this possible lifestyle and to invest in its long term potential. You’re lucky you enjoy coding. That’s half the battle right there.