"I want to solve $PROBLEM" isn't a root desire for me, I just want to make money. You've given me some things to think about!
As per the comment above you should not underestimate the value gained from experience. Having a deep understanding of a domain or market gives you the ability to see a problem, build a solution then clearly position and articulate why your solution is valuable.
If you purely focus on trying to make money for yourself you are really going to struggle to generate any significant money. You might be able to find a niche here or there but without understanding your customers and users you are unlikely to retain them or grow your user base.
Just my perspective!
Sometimes, the problem (at the margin, anyway) isn't lack of money or expenses that are too large per-se but irregularity of income and-or irregularity of expenses. There may be solutions you can devise to smooth things out.
There may be money-saving solutions you can devise that could be marketed to a wider audience.
There may be income generating solutions (eg. marketing, adtech, and similar) that you can sell to businesses.
Anyway, try to dig a little deeper into what motivates you, and see if there is a problem there that you can make into a passion.