I'm 36 myself and been programming on and off for most of my life - I think my first programme was written in BASIC and copied from a MAD magazine onto a Commodore 64 when I was like 6 or 7.
I stumbled into an indie game job about 5 years ago after doing some hobbyist game stuff in my spare time, but it has only really paid off in the past year or so.
I'm getting paid much less than now I was before I got into game development, but it's enough to get by on and a much more enjoyable job even if it is mostly making someone else's game idea become reality.
I am actually 37 myself. You must have grown up in a nicer place than I did. Our elementary school had like 1 computer for everybody to share. I didn't get to mess with BASIC until 1993. High school computer class. I wrote a few cheesy games with it. A text game, a wrestling game where you entered your wrestler and opponent stats, move names, and finisher. It would mathematically mad lib a match for you and determine the winner with the stats and some random variables. I then wanted to do something graphical, so I created an adventure game where you played as a blob, because circles and squares were easy to draw on screen. The character was a circle with two square eyes.
It wasn't long after that, I quit programming altogether. I always wanted to design video games. I had since I was a little kid. I went to college, and the computer course lineup seemed like it had been designed to keep certain people out. Most of the computer classes were taught by a truly, freakishly brilliant professor. But computers weren't as ubiquitous as they are today. I had to take FORTRAN and COBOL before I could take C. I got As in both classes but by the time I had finished 16 weeks of that, I was pretty much done with programming. I had given up going to art school, and I had given up going to DigiPen Game Design College. I was far too poor. I was not going to give up on at least getting a college degree that I could afford. But college killed my desire to program.
However, nothing killed my desire to be a game designer. I have been a graphic designer for almost 20 years now. That's like playing your whole life in the minors. But I'm not worn out, I'm just warmed up, ready for the big leagues. I am going to make this game and people are going to have the opportunity to play it. It will be fun, clever, humorous and artful. And those thing will make it engaging.
I'm with you. If I had to do this for a job and make someone else's game, I probably wouldn't enjoy it. Making my own game means I can have fun doing it, I can do it the way I want to, and I can experiment and use mechanics that don't follow a formula. I don't care if I get rich doing this. I just want to do this.