I help people immigrate to Germany. I constantly need little "duct tape" utilities to nake immigration easier at a very low level.

For example, merging your residence permit application documents into 5 PDFs under 12 MB so that the immigration office will accept them. I also made tools to fill needlessly confusing forms, to find appointments at the citizens' office, and to generate resignation letters. I also built tax and health insurance calculators.

To give a broader answer, become a domain expert in something that isn't tech. You will quickly see a million small things that could be improved with a bit of programming.