I started off in the same position 10 years ago, I think what helped me the most was eventually finding a niche, and focusing on one type of client or problem (as “programming” is way too broad, that and getting initial referrals from friends and family members.
I feel like a gross sales guy linking to my blog, but I am in the process of fully documenting my journey from developer, to building, running, and ultimately selling my software agency - so there may be a few articles that are beneficial for you at https://www.devtoagency.com , specifically https://www.devtoagency.com/think-niche/ and https://www.devtoagency.com/referrals-from-friends-and-famil...
Good luck!
Before covid you would move somewhere where the market is good for engineers, kick it off with some CTOs sending your A-team of the best contractors ever. It's basically like getting a normal job but you're not selling yourself but a team of people.
Finding companies at the right stage or CTOs that get hired to transform companies is crucial.
Over time you can slowly disinvest from the company and start sending cheaper contractors and retire.