Now I’d like to tell you about another person I know. He insisted that his son get an education. He went to Israel for a year, then went to school. He was in yeshiva in the morning, then went to school in the evenings. He got a degree. After that, his father asked him, so, are you looking for a job? He said no, I’m going to sit and learn. I have the education so that when the time comes I can work. With that safety net, I’m ready to learn for a while.
This guy went on to sit in kollel for almost 10 years, and when he needed to support his family, he went and found a job almost immediately.
I see more of this than the other method, for those that end up going to college (or go to college part time before learning in EY for a few years). If they are in Kollel without anything, they end up never going to college (in my experience), or getting a BTL and law (with support).