show the initiative
You should go ahead and get the education and certification under your belt. As mentioned above, it shows good character, initiative, and ambition. Otherwise to the employer, you're just another guy looking for free education from them so you can go find a better paying job later.
The programming he's referencing is program home audio systems, multi-room systems, etc. They're computers now with media sharing, direct storage, routing, etc. All that must be programmed by someone. So if you already know something about computers, and interested in HT work, then it's the best of both worlds. Apply your computer knowledge to doing great programming work for a client.
At 24, you need to start thinking about getting some drive here and moving forward. Your first real job likely won't be your dream job, but you have to start somewhere. If you can't decide what you want to do, then try something. At least then you'll have a frame of reference. I'm not real sure what you're waiting for here...if you're interested, do it. Don't wait your life away. If you make a mistake, so what?? Sounds like you're still protected under the parental blanket.
The remainder of my .02 is that the USAF or Navy sounds like a great fit for you. Not sure why you're so against it. Probably be the most honorable and beneficial thing you could do.