I see a major problem in your life plan here: women (assuming you're preaching to a male audience). Doing nothing but working in your 20s, after going to colle

I see a major problem in your life plan here: women (assuming you're preaching to a male audience). Doing nothing but working in your 20s, after going to college in an all-male environment (as that's what STEM classes are), and planning to not have kids until your 30s means you're going to have a really hard time meeting any desirable women. If you don't get really lucky and somehow make time for socializing in college (between all the hours required by your CS/engineering classes) and meet a wife there that doesn't result in break-up divorce before your 30s, then you're kinda screwed. It's much harder to meet singles after college IME, and if you're "doing nothing but work in your 20s", that's going to put a real damper on your dating life during that time you're looking for a partner to have those kids in your 30s. I think this whole plan is fraught with huge risk and problems, and shows exactly why, here in America, most people having kids seem to be "working poor" or in other fields than STEM, where they have better career longevity and stability though not as much initial salary (and maybe not as much total salary over the career even), and a lot more free time after work. I think better advice is: you have a choice: STEM or family/kids. Pick one. You can't have both unless you're really lucky, much like professional athletes. Another alternative might be moving out of the US to Europe, where the far better social systems and working conditions make it much easier to have a family.