Sure, no argument there, I was just referring to research like this: https://escholarship.org/uc/item/82d0550k

"""Results. At a discount rate of 3 percent, males and females aged 20-24 have the highest PVLE — $1,517,045 and $1,085,188 respectively. Lifetime earnings for men are higher than for women. Higher discount rates yield lower values at all ages."""