Hey man, that's awesome. With your mind set, there is no doubt you'll be able to accomplish what you are after. But, in reality it was probably always there, but for some reason you got in your head that you need money to be dedicated.
I too started lifting right before my 18th birthday almost 21 years ago (yikes!). My dedication to the gym and nutrition was gained from my old man as well. Straight from Hungary, his old school, hard ass attitude comes from the life he lived (Special Forces, mob muscle, hardcore lifter). You could say that I never really had a chance. I've never done a steroid and my dad would have kicked my ass if he ever found out about it- it was simply eat (lots of meat and potatoes), sleep, and work hard. That, and I had to learn how to fight and defend myself.
I think everyone here is on for a reason and that is to look and be the best we can, albeit for different reasons. Myself, I have always been competitive and wanted to be the strongest, sharpest, and most ready person in everything. My background is likely pretty different than most anyone on here growing up skating professionally, raced DH mtn bikes, semi-pro snowboarding, and now for the last 5-6 years just entering any fitness/endurance type competition I can find time for. Not the typical body building type mind set most around here have, but one of the strongest 5-6 guys in the gym regardless.
Plus, how the hell else am I going to keep up with my two little girls that are full of energy and a wife that never stops?