I had two pre-30s life goals that my family scoffed at.
The first was to travel extensively. Family scoffed because traveling about was seen at odds with school and building a nest egg for the future. Something that you could afford to do once you had raised a family and retired. My thought was, why wait to see the world when you're too old to really enjoy it? How can you enjoy climbing a mountain in a foreign land when you're in a wheel chair? Why would I want to visit some exotic location when I "can afford to", but I'd be grey and wrinkled and the only flirting I'd get from the native girls would be for pity and giggles? I traveled and adventured young. No regrets.
After seeing the world, the second pre-30s life goal was to have kids. Again, family scoffed at this. My thought was, if I had kids when I was younger they'd be genetically stronger. My family thought having kids was something you should wait to do after getting established in the world, so that there would be no financial risk. Wait until the time is right and you can end up waiting forever. I went about having kids early and it was stressful, but they're strong and healthy and don't suffer from the kind of genetic hiccups that have a higher chance of happening when you father kids at an older age. Again, no regrets.
There's a difference between playing it safe in life and playing it smart. Being in your 30s sucks, as far as the body is concerned. You become aware that, physically, you're best days are behind you. You can keep the mind sharp, but youth is an extremely finite resource. I say, make a point to do everything before your 30s that requires you to be young to really do it right. See the world, gain some life experience, and make babies. Even if it puts you at a slight financial disadvantage, everything else can wait.