<p>I think the key assumptions there are “right school” and “right grades.” You’re building the hypo to discount serious and substantial risks without any reason to believe, ex ante, that they should be discounted. Plus, and I feel like this can’t be stressed enough, the OP does not want to be a lawyer. Maybe people don’t love their jobs but that’s no reason to aim for it. As for practicality, are you forgetting the quarter million debt?</p>