If you're from an elite university, then you'll have a good chance of getting into a FANG. A SE at a FANG will make triple as much as a SE for most other companies, so do try your best to get into a FANG. If you're smart, You might be able to earn 400K or more in just 5 to 8 years.

However, if you don't get into a FANG, it's not the end of the world. You might still be able to find another job at another software company if you're lucky. As the years go on, it'll be harder to get job due to the rapidly increasing supply of engineers.

The US has not hit peak SE demand yet, so don't worry, those days are still far away from now.

Oh and don't worry about wrong reasons. I know I'll get downvoted for this because it's politically incorrect, but: Working for $$ is the primary reason for work. If you didn't need to make money, then you don't need a job, you could just program on your own time whatever you wanted and have a hell of alot more fun than working as a SE.