Desperately Need your Advice/Opinion/Guidance before making this life changing decision.

I am an 18-year-old male from Pakistan who right now desperately needs your advise. This is my first post on this platform, so it will be a bit lengthy, but if you can spare a few minutes to read it and give me your wise counsel, I would be eternally grateful.

Goals

I want to begin my career at a BB IB. Whether I stay there, move to PE/HF/VC, or establish my own PE fund or startup, I haven't decided that yet. However, I do know that I want to begin my career at a BB IB. I also know that my long-term goals are to become wealthy, not just rich.Give back generously to society and leave a positive lasting legacy of some sort.

Some Background

As previously stated, I'm 18 years old, from Pakistan, and I recently completed high school. I'm moving to the United Kingdom for my bachelor's degree next year in the hopes of starting my career in London's IB industry, which seems straightforward and uncomplicated but is actually highly complex. For those of you who are unaware, undergraduate studies at good, or target, colleges that can give me a chance to work in IB, costs about  £35k/year (tuition fees plus housing and other expenditures). £35K per year for four years comes to  £140K total. For anyone who are considering stopping reading and leaving assuming this is a rant about excessive fees, it's not. (4 years because I also Need to Study a One Year Foundation Programme to Get Accepted Into Bachelor's Program) Due to the astronomical inflation in this country, £140,000 for 4 years is equivalent to roughly 35 million rupees. My dad, who comes from a lower middle class background and has been the family's primary provider for close to 60 years, has never even seen this much money all at once in his life. Therefore, there is no way that my family could pay for my college, but the issue is not the costs. Even though it's incredibly challenging, it's not impossible, I can pay for my own tuition without having to sell any weed, lol.
I am a small-time online entrepreneur with a few social media profiles and a Youtube channel (Nothing Personal, Stuff like Documentaries) that bring in between $500 and $1,000 per month and have some room to grow. I am currently working on building a few additional side hustles which when combined can pay me more than $2k a month, or $20k to $24k/year without any taxes, with some scaling and outsourcing the time consuming work like video editing. (No taxes since I won't register these things in the UK; I'll just leave them there, let someone run them, and give me the money as UK law allows for students to receieve fudning from abroad without paying any taxes ) Aside from passive income, I'm also learning programming in order to get a somewhat high paying job (remote/hybrid) that pays anywhere from  £15- £20/Hour for the 20 hours per week that a student can work, earning me an additional £15k/Year. In addition, when I'm strapped for cash on the weekends, I can always go work cash in hand jobs like deliveries that most immigrants do. Finally, I have a supportive girlfriend and some distant relatives (in the UK) who can always lend me some money if i need it.

What i will have to go through .....

(Thanks if you made it this far; the rant and boring part is over.) I was just trying to give you an idea of what I will have to go through in order to pursue this dream: five days a week of university, three to five hours per day of study after college in order to maintain a high GPA for my resume, and then four to five hours of brain-draining coding work. If I finish it, LOL, I may need to check in with the individuals running my side hustles with a few phone calls, then, with whatever time is left, I phone my family and friends who are back home and let them know I'm still alive as they messaged me in the morning but didn't hear back. If I'm lucky, I'll get 6 hours of sleep after a day like this. The weekends won't be much better because I'll have to study, catch up with my professors and fellow students (because networking for IB is essential), visit my girlfriend (if I don't live with her), and perhaps travel to the closest city to make some quick cash. If I'm lucky, I might get a little more sleep. Bathing, eating, and exercising will all need to be adjusted in this. As a workaholic, this doesn't frighten me because I've been working pretty much the same manner for the past two years (though I'll be honest, I get far more sleep, like 8-10 hours). What frightens me is whether or not, even after four years of this torment, I'll make it to IB. If I don't. I'll be f***ed, lol.

University Choice

Now Let's talk about target universities now. Tier 1 and Tier 2 universities, such as Oxbridge, UCL, Imperial, and LSE, won't admit someone like me directly to undergrad, leaving me with Tier 3 Warwick and a semi-target university, Durham. Even though I really want to attend Warwick, my grades are a little bit below what is needed because I was working on my side hustles throughout examinations. As a result, Warwick won't accept me, but I am still eligible for Durham. I now have some question for you all.

Questions for you

1. Should I go to Durham? (There will be the hope that I can move to Warwick once the foundation programme is through.)

2. Will Durham or perhaps Warwick be able to help me get a foot in the IB industry's door?  

3. Is it worthwhile to endure these four years of hell?

4. If you were in my position, would you take the risk?

5. For those who have been through somewhat similar kind of situations, do you think i will be able to get a higher GPA 3.5+ and network as it is nececcary while working this much ? ( The last time i took an IQ test it was 120 )

6. I can speak English at an 8.5/10 level, but I don't have a native-sounding accent. Do you believe that my lack of a native English speaking accent would get in the way and cause me to get rejected by the company since they want Ibankers to be flawless when presented in front of the clients?

7. Do you believe that my race could be a rejection factor or cause for concern? I am aware that banks have recently taken action to promote diversity, but I continue to read about discrimination in some places? And will working so hard at my job hinder my networking opportunities or make me seem strange to upper middle-class or higher-class students at my university?

8. Do the finance societies at UNI really help ? And are all banks paying their summer interns? Because, although I am well aware of how essential internships are, leaving my current employment in order to pursue an unpaid internship during the summer may present some financial challenges.

9. If I am refused after my undergraduate degree, I will likely reapply after enrolling in a Masters programme at a top-tier university like Oxbridge or LSE (I know the norm is an MBA). Will I Still Have a Chance by Then (I know the norm is an MBA but i don't think so i will have the finances for an MBA) and Even If I Get Accepted After Masters Will I Get In As An Analyst Or Associate?

10. And last, will it be worthwhile by then if I can't get in even after my masters and I pursue an MBA after turning 30? I suppose that my age would restrict my exit possibilities, since, for instance, PE prefers to hire analysts who are under 25.

11. Any elderly enough reader who has gone through comparable struggles and ultimately succeeded in making it large, were those struggles worth the reward? Would you choose to repeat the experience if you could? Yes or No

Alternate Options

1. After completing my Foundation programme and receiving a full-time offer from the University, I can take a gap year.(I will form a partnership with my girlfriend to change my visa from student to partner visa so I may take a gap year or years.) During this gap year, I can work full time, earn some money, save it, and have a little more money to pay for fees and other expenses for the upcoming year and a half. But given that I'll be 20 by then and that taking a gap year would mean I'd have to finish my bachelor's degree by the time I'm 24 or 25, is it worthwhile? Will it reduce my chances of getting an IB because the majority of analysts are between the ages of 21 and 23. Would you take this gap year if you were me ?

2. Take three years off after finishing my foundation programme since I will be able to enroll in a university as a UK home tuition fee payer, which is £9k per year. I will also be eligible for student loans and a tonne of scholarships, all of which will allow me to attend college for free or for the very minimum. If I take these gap years, I'll be able to relax, have fun, try out some business ideas, and even really enjoy my college years when I eventually enrol. It will also leave me with extra time to study achieve stellar marks and network establish connections as effectively as they can. The difficulty with this is that I will be over 23 when I return to college and over 26 when I finish.
   Most individuals would have transitioned to P.E by then after their time at IBanks, but that doesn't concern me because I don't have competition with others I'm simply trying to improve. The issue is whether recruiters will give me a chance; more specifically, who will they choose if a recruiter has two CVs with identical grades, except that one is 22 and the other is 27, my prediction is that he will choose the 22 one.  If i am wrong please educate me, so will a 3 years gap lower my chances or even finish my chances of working at an Buldge Bracket IB and exit opportunities to PE ?

3. Should i go to a bottom ranking university for bachelors due to low fees. Than afterwards if i have a good GPA can i get accepted in a top tier Uni for Masters ? Do uni's just look at Bachelor grades or College prestige matters ? And if i am able to make it to a Masters programme at a good Uni, when i apply for BB IB jobs will they just focus on my Masters or they will also give bachelors the same importance ? And will this bachelors degree from a not so good Uni make me less desirable asa candidate regardless of my Masters ?

4. Or should i go to Germany's WHU or Switzerland's St Gallen, as they are good universities when it comes to finance and banking. I can study there for free or very cheap downside i will have to learn language, due to not being an EU citizen i will not be able to work in Switzerland as regulations are very tigt. And i myself would not prefer working in Germany i would prefer London or NewYork, so do you think i will be able to land a BB IB job in london with a degree from these Uni's or would it be worth going to these Unis ?

5. Or i forget about the IB/P.E/H.F/V.C industry and instead study computer science. The fact that I can study computer science at a less expensive university, take a three-year break (since I am already employed as a programmer, gaining experience), and then return to school later will make things much simpler. With good grades and years of experience, I will be able to secure a solid Dev Job at Faang, starting at $100k and rising to almost $700k in 6-8 years enjoy a far better work-life balance than finance, but for 99% of people, the path ends there. I'm a pretty minimalist, so material goods don't really interest me that much. With some savvy financial decisions, passive income side hustles, good investments, and the power of compound interest, I'll be able to retire by 40 with a net worth of somewhere between $2 and $6 million. I could live comfortably with my family for the rest of my life, but that wouldn't really be enough to have a significant influence or change the world, Just kidding lol i am not on the path of world domination like in some crazy movie. I can probably go work for a startup, but I don't want to spend the rest of my life writing code behind a screen. I can move into management, but most executives make even less than top coders. You are unlikely to ever make more than $500k unless you are a C-Suite executive of a top Fortune 500 business. As a last resort, I could try to create my own business launch a startup which is my end goal anyways , but what if it doesn't pan out? I am aware that the risk of founding a company even after a career in finance remains the same, but if I retire from finance at age 40, my net worth will probably be $10 million or more and if i wait another 10 years till 50 i will be able to exceed it $50 Million-$100  Million which will give me a far better and safer pitch to take big risks in hope of big rewards, because this much money will be enough to live like i want, give back to society, leave some kind of legacy behind, take big risks and if managed in a good way even pass down most of it to my family. And being from finance and having those contactcs will also help me get funding for my startup much easier than others.If it were up to you, would you choose the easy, safe way in computer science while enjoying life, or would you take a chance on big finance and give it your all?

Closing Note

Even though there are many questions and it may not be possible for everyone to respond to them, if you could each respond to one question, that would be sufficient. If you have any advice, please share it with me because I'm at a point in life where I can't afford to make a mistake, and there isn't anyone better to talk to about this or a better place to have this discussion than this platform and you people, so please drop some wisdom that you have gained through struggles and experiences, whether they be your own or those of others.