My sympathies, but 22 is super young so don't worry about it. I dropped out of University at age 25 due to illness (one course from Graduation), and cannot afford to get back. I'm 31, still struggling with illness, and still don't know what to do with my life ha
You seem sure of the direction that you want to take, just not sure how. Finances are an issue. My recommendation is to look into local community colleges/smaller schools. Many have short courses (4-8 months) in business, accounting, and other math-related fields. Many are very inexpensive compared with other colleges and university. Find out what you have in your area, and read the course descriptions. Hopefully something will jump out for you and you'll have that "ahah" moment that you need.
You may graduate, get a job, and decide to upgrade later on. Schooling + work will give you a better idea of the direction that you want to head in, or you'll learn what you definitely don't want to do. In the meantime you'll gain school + work experience, which is never a bad thing in the work world.
Lastly, a friend of mine at your age was in the same position, with the same interests. He joined the Navy, and loves it; he's mostly into engineering.