College sucks. Finding yourself does not.
As a preface, I am a college graduate, finishing my first master's degree this semester, and will embark on a dual doctorate degree in six months, picking up a second master's degree in the process.
Most of college is a pain in the ass. However, you begin to discover that your own personal definition of "pain in the ass" is really a matter of perspective. It takes experience to gain perspective, you cannot read it from a book or pick it up from coworkers. I learned a lot of crap in college, but easily I learned 500% more from my own private endeavors (reading for pleasure, practicing my art, volunteering, just talking to smarter people), but the college EXPERIENCE taught me a lot about myself and how I view the world.
Successful people are not born, they are born AND bred. The factors that serve as catalysts come from everywhere in life. Typically, however, people find these things in college, whether in the form of some subject or topic they enjoy, or a personal experience that influences their motivation.
College didn't do a damn thing to motivate me to succeed. Seeing people around me that were half as smart but with twice the ambition succeed motivated me.
College is also a form of competition, both with yourself and with your peers. In most cases, college helps to teach you to make goals, stick to them, and prioritize. Avoiding temptation is another good lesson.
90% of what you DO in college academically will be forgotten about six months after you leave. Yet many of the profound experiences will influence you for the rest of your life.
As for money, it is unquestionably a smarter fiscal decision to invest in a degree unless you like gambling and have somehow convinced yourself that the odds are in your favor of "beating the system" and getting a high-paying job without some form of college in today's (American) job market. Good luck. It isn't impossible, just harder, and the kind of "harder" may be worse than just having sucked it up and done the college anyway.
Best wishes to you, PM me if you want more information on anything. The previous posters are wise people, and have also given you good advice (though some of their opinions differ from mine).
One way or another, you'll make a good choice, your attitude will be the biggest deciding factor in your success, not the path you take per se.