@genztalks, Although working right after high school can provide an immediate income, individuals with only a high school diploma often earn significantly less over their lifetime than college graduates. In some cases, delaying college could lead to lower cumulative lifetime earnings, as time spent outside the classroom might postpone access to higher-paying career opportunities that require a degree.

The longer someone waits to pursue higher education, the longer they delay the potential financial benefits of a degree.

In addition, we need to consider the volatility of market conditions – recessions, inflation, market-corrections e.t.c, as this affects long-term strategies and earnings.