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My philosophy is that early age education (formal ed. in school setting or/and at home) trumps university education. By far. This is why I send my little one to a Montessori school. It's not cheap, but it's definitely worth it, in my opinion.
I'd rather spend $$$ on a Montessori school than take a loan for a university degree, especially in this AI era. Very bad deal, imo.
He's convinced he'll become a professional football player at 16, and therefore won't need to go to university anyway, which he thinks it's a waste of time anyway (I think he's picked that up from reading the Tuttle twins books 😅)...
But tbh, when the time comes, we'll evaluate the options and decide