Attitude is everything when it comes to startups. Your post suggests you've got a good attitude.
There are no shortage of programmers with a lot more experience who have completely useless attitudes. They code well, but don't care for anything more than working as little as possible and earning a salary. Much easier to teach someone to program than teach someone entrepreneurial drive and determination.
If you're willing to trade a small measure of that cash stash to cofound a company (and be willing to keep an open mind), there are thousands of deserving startups (including mine) who'd probably love to have you on board.
There are no shortage of programmers with a lot more experience who have completely useless attitudes. They code well, but don't care for anything more than working as little as possible and earning a salary. Much easier to teach someone to program than teach someone entrepreneurial drive and determination.
If you're willing to trade a small measure of that cash stash to cofound a company (and be willing to keep an open mind), there are thousands of deserving startups (including mine) who'd probably love to have you on board.