I’m older but have the same sense you have. I think your best bet is to choose a career to pursue based on the kind of contribution you’d like to make to the world.

Right now, AI is mostly changing the way some jobs are done. Other new tech will probably contribute to more of those kinds of changes. If you choose a career primarily based a skillset you like using, I think there’s a good chance you’ll end up very disappointed later when the way the jobs are done changes. But if you choose based on impact and then develop a range of skills (especially people skills!), you’re more likely to end up OK.

You mentioned that programming and urban development interested you. Urban development seems more directly about making a certain kind of impact, so in your shoes, I’d go that direction. That said, I don’t know why you’re interested in programming, and maybe there’s an impact you want to make in that field too.

I made the mistake of choosing a career based on a skillset. New technology has reduced jobs in my field, but the much larger problem is that I hate the way the jobs are done now. I could probably stay motivated and do the extra shit needed to survive in that career in the longer term if I still felt like it made a positive impact on society, but the field itself doesn’t make the world better. So I made a shift into a new industry, although I’m not expecting stability from this one either, and it’s not one that would make sense for you based on your post.

It depends where you live. Whatsapp is the default way of communicating in a lot of countries, way more popular than text messages. You might be able to get individuals to contact you another way, but if the group chat is in WhatsApp, you’re probably not going to persuade the group to change.