I am stuck. I have never been interested in going to college. I am 21 years old and feel like I am 30. ?

I thought I would be stuck in the restaraunt life forever...and now that i have moved on and turned down a managing position, I now know it truely wasn't for me. I am pretty sure if I was to return back to school I would major in pshycology. I am in need of some opinions. I have always felt that my fiance and I were meant to do something big. Travel, help others, start a business and so much more that we have talked about. But seeing hyow money is a factor we are not able to do most of the things we dream of. Therefore, I am scared that I will get a job in a career that is interesting to me but not what i truely want, and again, only this time we would be stuck and no way out because we would fall into the the american way aand be too comfrortable with ppursueing our dreams. Bah. Looks like I need counseling rather than me counselihg others. Help me please! ANYTHING!