Is it too late for me? (Rising College Junior)

Honestly, I just need some brutally honest advice, no sugarcoating.

I'm sure many people have been in a similar position as me, but I'm currently at a non-target (for IB) school going into Junior year this fall. I'm sitting at a 3.85 GPA and have a summer internship this summer for a F200 company (accounting related role). I'm double majoring in Accounting & Business Intelligence and Analytics.

I've heard so much about the "safety" and "job security" about being in accounting, which is what first drove me to do these majors. But I now realize how underwhelming the salaries are... I want to move to California someday and be by the beach but with my degrees I just don't think I can pay for the life I want. I knew about IB but for some reason the risk of it scared me (coming from growing up poor I just wanted something secure). I now want to break into private credit or private equity, and pay for the life I want. I'm considering changing my Business Intelligence and Analytics major to Finance to pair with Accounting but I really need to draw up a plan for my future in private credit. Is it too late for me as a rising junior to successfully enter into a role that can pivot me into that out of college? Any advice at all would help.