Take control now. You have a head start on your peers because you realize there is more you need to know and you’re reaching out for answers. Don’t just drift along in life. Start talking to older people who are in college, new in the job market, or have had careers for years. Talk to career counselors, set goals for your life, and read some books that will help you achieve those goals.
From your post I gather you are somewhat inclined towards safety over adventure. If that is the case, and if it’s true that you could do well in a variety of fields, enter a field that is expanding (i.e. biotechnology or nanotechnology vs. railroads). You can also go into management and work in an expanding field. The key is to position yourself in a career field where there is money and you have potential to move up rather than in something dead.
Also, do something that you love. Money is nothing if you dread going in to work everyday. I work to live, not live to work. If you don’t know what you love, try new things, as many as you can handle, talk to all sorts of people, the truth, as they say, is out there.
Finally, if there is one thing I could tell every person about to graduate, LEARN TO MANAGE MONEY! Don’t put yourself in debt for anything that is not an appreciable asset (like a house). Live within your means. That way, when the storms of life hit (recession, medical, whatever) or you have to change jobs or get laid off, you’ll be in a position of power.
Always remember that knowledge is potential power, but not until you can apply it is it’s potential realized.