You're conflating Value and Security. They are not the same thing. Value is the Extent to which a degree will offer you remuneration above and beyond what you would otherwise receive multiplied by the probability of that outcome.
Security as you're using it is simply the probability of achieving said position with said degree.
However, there are different forms of security. I prefer the security of a cash cushion. I consider myself a competent individual capable of delivering value in excess of my peers. Results speak loudest in the workplace, especially in these two career tracts.
You also need to assess the lifestyles of the various jobs. As, Time, Energy, and Prestige are capital resources as well.
The Higher Paycheck means a higher Float as well.
http://www.topuniversities.com/courses/accounting-finance/accounting-vs-finance-which-should-you-studyUsing this website and my knowledge of the particular careers.
Finance Ranks higher in 4 out of 6 of the assets described.
Accounting jobs have more time and location independence.
Though You could argue only marginally better location independence, in most careers.
Generally.
So accounting if you want kids early, Finance if you can hold off.
Environment and attitude also play a role. But talk to experts in the careers you want. Most people do things completely unrelated to their degree. If you can line it up way ahead of time. you're gold.
Its important to write your story early on to attain the highest levels of congruence through your career.
