Jenny, here is some Uncle_Vanya (tm) advice for you. My first year in real college, I partied, I drank, I did not study at all, I knew what I wanted to do with my studies but I didn't do it, I was lacking a sense of direction a solid understanding that this education nonsense is actually important and all the drinking and partying was actually secondary. So I failed out of college, came back home, 3 weeks later had a full time job rolling mats, first 3 weeks I had 2 consecutive 12 hours shifts every week...anyways, it was bad, since when I lost 50 pounds just working, got promoted to truck loader, and am currently enrolled at a community college there I am realizing that this chemistry and calculus crap is actually easy. Im planning on transfering into a real university for my engineering degree in about a year since I'd rather get my associates in CC since its cheaper. So basically, get a full time job, work at it for half a year or a year, that will really give you a snapshot of the real life, which will scare you into getting back to your studies, then you'll be able to do anything.
As for owning your own business, my father did that many times so far worth of all of his businesses combined average a few million bucks so I guess he is doing good. He does have a nuclear engineering degree from the Soviet navy and an MBA from some University in Holland though, so you might want to look into that. Point is, you need education whatever you do.