To add my two cents, being in my 20s, it's point 3 i'm apprehensious of which typically is a natural progression in the 'too sensible' lifestyle mentioned in Littlest Hobo's post. I too have progressed to achieve a degree and I feel the next few years are crucial at gaining a shot at aviation. Beyond that, you can attain both through the forces- but that's another debate i'm not wanting here.