As smart as you might be, please reconsider this thought. Remember that you are gifted and as one of the people who can make a difference, it would really be great if you did. Morality has nothing to do with religion.
Secondly, to answer your crisis, here's what I think you could do;
Get a job in your financial field, you're only 23 and apparently you made 85k this year. What did you spend it on? If you can make half that money in a year, sacrafice a bit of your comfort; live in a smaller appartment and don't travel. I say do this for a year or two and you should have plenty of money to be self sufficient for some years if you live modestly.
As for genetics engineering, aim for cell reconstruction studies in medecine, not beauty alterations...
Hope this helped.