You must read sivers.org - Derek Sivers is a musician turned entrepreneur who became a programmer too and he has great advice on many issues you speak of.

First, check out the following on finding your passion: http://sivers.org/passion

Next read this article about taking that big step towards your dreams (its one of my favorite): http://sivers.org/loss

If you find yourself wanting to get into the tech startup route but despair about not being a programmer, the following is excellent advice on how to turn your idea into a blueprint for a programmer and also (I think) great advice on how to become a product guy: http://sivers.org/how2hire