I think studying STEM is worth it because let's be real - it is the one thing besides medicine you are not going to learn on your own unless you are a genius with IQ over 160.
Everything else - finances, psychology, law, languages, history, arts, music, acting, dancing, painting - you can learn this on your own using books, internet or some courses at any point in your life if your IQ is north of 100. But you will surely not learn advanced math or physics or engineering on your own. You can learn coding trough.
So if you go to study for a degree then(unless you know for sure that you want to do something specific in life and don't need any advice anyway), then study something serious that gives serious degree and also some knowledge you would not get otherwise. If you want life skills then learn on your own - it will be cheaper and more effective.
Everything else - finances, psychology, law, languages, history, arts, music, acting, dancing, painting - you can learn this on your own using books, internet or some courses at any point in your life if your IQ is north of 100. But you will surely not learn advanced math or physics or engineering on your own. You can learn coding trough.
So if you go to study for a degree then(unless you know for sure that you want to do something specific in life and don't need any advice anyway), then study something serious that gives serious degree and also some knowledge you would not get otherwise. If you want life skills then learn on your own - it will be cheaper and more effective.