tzippi, I referenced “short” term vs long term because the plan is different.
If you plan to marry a long term learner (AKA lifetime), then you need a career that can pay for housing, food, clothing and TUITION for 10 kids. If you are talking about shorter term Kollel, unless you pop out twins and triplets every year, you will be talking at most 4 kids in 5 years with daycare costs or a housekeeper.
Its just a different plan.