It's never too late...consider getting another university degree. Having previous experience like yourself is always an interesting story to tell employers.
I’ve been in a similar situation and a question I always get asked... “what is going to stop you from building something else in a year or so” (leading to me quitting the job I’m applying for) best would be to address this issue head on
I think you should start a business and travel. Now is the time, it's going to be much harder later on when you're working full time. You won't be able to take the time off later...
You'll also be able to get another job no problem, go travel if it is important to you!