You can also work pretty interesting projects at a place like google. If you want to do platform library type work, the only kinds of places your likely to get that kind of work is from a place like google or other larger companies.
I think most software engineers could get into to google if they put the effort into it. If you can make it as a $100k/yr software freelancer, you could probably study 'cracking the coding interview' and make it into google.
Also realize that google hires in europe too.
The hours isn't what you think it is. There are many 9-5ers that do good work at places like apple and google. And there are other teams that work a lot. It all depends on the team. People also get more than 2 weeks vacation too. For example, the entire engineering org at apple at least gets 3 weeks of 'mandatory' vacation. One week for thanksgiving, 2 weeks for christmas. Then you have your normal vacation on top of that.
I used to think like that when I was 20. One thing I've learned (will be 40 soon) is that the time passes anyway.
If you're lucky, you'll get to be 60. You don't want to be poor when you're 60. Of course, you don't want to delay gratification unduly, but beware of doing the opposite.
Also getting into a company like Google isn't something that everyone can do, where as it's pretty easy to start freelancing (especially if you are European, hence don't need to worry about healthcare).