The part about that plan that worries me is the ageism in software. I'm mid-forties and it's something I think about a lot for when I have to get a new job.
Anyone young should go make as much money as possible, as early as possible, so they can have the same outlook you do in later life.
Not really had any problems with that and I'm older than you are. And quite frankly I didn't have any money really until I hit about 35. I just lived within my means.