Yea dude, if you want something serious you gotta be financially stable. But why are you looking for something serious so early? You should really finish college first.
As far as being friends with girls, that isn't so easy. It has never been easy for most guys. Men and women are very different and 90% of the time we don't understand each other at all. And whats more we don't even like each other most of the time. Once you get older you no longer think that girls have cooties, but you still have a hard time understanding them. The only guys who find it easy to be friends with girls are gay guys. Its a proven fact.
For someone like you, or me (us geeks) its easier to be friends with girls who are geeks because they have some of the same interests. I really recommend that you try to find some geeky girls. It isnt too hard either, there are plenty of them.