Climbing isn't forever, unless it is......
In other words, unless you plan to climb with suicidal abandon, you're going to need some kind of plan for when you're too broken or just plain too old to climb anymore.
My advice would be to knock out school as fast as you can, snag a job with flexible-enough hours to be a weekend warrior, get yourself a halfway respectable resume... then take a gap-year or five.
Definitely don't have kids until you're done with serious climbing. Kids fucking ruin you.