I completely agree with arkitaip. Focus on school and forget about money for now. What you want to do is spend half your free time learning new (web) technologies AND the other half formulating "dreams."

You're in school so you can afford to dream bigger and thrive to solve bigger problems. Learn to be a great person, not a mediocre developer. Learn how to think and everything else will follow.

If you want to run your own startup some day, then you should start today. Find a problem that interests you now and look for ways to solve it in your own way. Domain names are cheap, hosting is also cheap, work on a project for yourself.

Also, try to refine your development process, php is fine, but you must combine it with patterns such as MVC. Build a cheap computer and create your own development server. Learn Python/Django or Ruby/RoR and more (NodeJS etc.). Host your own version control system (Git, Hg etc.).

Young one, you need to learn to be a hardcore dreamer and level up like mad.

I've been doing web for 10 years and every time I look back, I always think that I learned more this year than many years before combined. Every project I worked on, I always think that I've learned more from it than many before combined. I am 28 now, but I am forever searching and learning.

Good luck and always, stay a hard core learner!