> At 22 you're still basically a kid.
22 is not a kid. 22 is a grown ass adult, and there are a lot of people who have their shit together long before that. We seem to keep trying to push up the age when a person gains the ability to make their own decisions and be responsible for their own actions. People were leading armies at that age not very long ago.
Back on topic: I'll just add that earnings-wise, due to compound interest, money saved earlier in one's career is worth far more than money saved later. "Sitting out" for your prime four earning years is only worth it if the education would provide a similar or greater boost.