If you're a good programmer and would like develop software I'd highly suggest you consider making mobile apps.
While one developer can develop a successful desktop app, I think it's much rarer than mobile apps since users expect significant functionality. Mobile applications, on the other hand, typically have much smaller feature sets than desktop apps. The other big win for mobile apps is that the distribution channels are built into iPhone and Android app stores (not to mention BB & Palm), so you can develop your app, put it in their stores, and start making money from day 1.
Check out this article
on why developers don't need to go get an MBA
For example, a developer notes he's made 13k in one month with his LocateMyCar Android app
The other big plus for you is that going from client programming to mobile programming is not a tremendous leap.