A few decades later I still rely on the approach I learned back then. While many of my peers have a mentality that they are at the mercy of the job market, and need people to create & define work for them, I can create customers wherever I meet people. I have a number of small business customers who would likely never have done development if I hadn't sought them out.
While this isn't the top way to earn a lot of money as a software developer, I continue to work heavily with small businesses because I like it, and because it eliminates a lot of the factors that others seem to dislike about a programming career. Regardless it's a great way to get your foot in the door... companies who can't afford $80,000 programmer salaries -- or the contract equivalent -- can't afford to be prejudiced against your youth and inexperience.