This would be ideal, but practically speaking, it will only become harder to switch careers and make up the income gap as I get older (i'm 30) and more people leave tech for less volatile industries. Plus, I don't think we'll be one and done re: kids. I don't think waiting is necessarily a smart long-term move given rising anti-tech sentiment among workers, even if it would be better to wait until the perfect age from a lifestyle perspective. This is just my opinion.