This makes sense. Do not be surprised if it takes longer than a year or two. We figure it out over time. At the point that I graduated from university (with a bachelor’s degree in mathematics) I still did not know what I wanted to do with my career. I tried a bit of this and a bit of that, and eventually found exactly the right thing for me.
You have plenty of time to figure this out. I was just wondering out loud whether leaving some college dollars in the bank might or might not help out in the future.
Of course if you get into a highly ranked school, and just as importantly if you feel that it would be a good fit for you, then it is hard to turn down an offer from a relative who is willing and able to pay for it! Also if your immediate family (you plus parents) have limited resources, several of the top US schools do give good need based financial aid.