Certainly , there are good reasons for both decisions.
... Well... it's better if you write your thesis (your position on the issue) in the introduction itself. Then you can give reasons for taking that position and back those reasons with specific examples in your body paragraphs.
When we are considering options for a major field in college, the counselor often mention the amount of money that we can expect to earn if we make that career choice. Then it is up to us to decide whether it is important to make large amounts of money or whether we are satisfied to earn a comfortable living
... here you narrow down the topic to a specific scenario.However, your prompt is more generalized. So, I feel you should not narrow it down so much when you are trying to introduce your prompt. I wish you kept it broad in the intro.
Hey... Now I see that you are following the structure. Very good :)
also, post your TOEFL essays into Writing Feedback forum :)