I had not, but just have done so.
My daughter is about to enter a doctoral program this fall which will cover most to all of her tuition and provide a stipend. It should provide her with a degree which in turn should, with a little hustle (no career path these days is easy), provide her with a means of making a good living.
She is bound and determined to put her career first until she has her PhD not only because she has a great opportunity to advance within her field at this time, but also because she wants to ensure that she has her own financial well-being, regardless of what comes down the road where relationships are concerned. Nothing is certain, of course, but trying to prepare as much as is reasonable is a necessity these days. (Actually, it was back then as well, we just didn’t realize it.)