I also wouldn’t disregard the experience of university itself. I went the self-taught route, left school at 16, built a career for myself to get to where I am now at 24, but I do have regrets. Going into working in an office basically terminated my youth right there and I haven’t had a social circle since. Not having debt is nice but if you can afford university both in terms of time and money, and come from a family you can fall back on, I’d say just go. Once you start work there’s no going back. You’re in the cold hard world.