I definitely agree with much of what the above experts have said. I really like the idea of deferred admission because that gives you a structure and a definite plan to come back to school. You may even focus what you do in the gap year around where you plan to go to school or what you plan to study. But the thing about gap years is that if you're not careful, life can take its own direction, and you may end up with a gap 2 or 3 or 4 years. Not that this is necessarily the worst thing in the world, but in my experience, in today's ultra-competitive society, once you step away from something like education, it may not be quite as easy as you think to get back in. Schools will ask you what you have been doing during this time (when you apply), and will want to know why you stepped away.
If you have used the gap year wisely to hone your skills, or truly find a direction in which you'd like to go, then you'll be fine. But even if you have many rich experiences during this year, yet you come back still not knowing exactly what you want to do (which is entirely possible), then I believe you'd definitely be at a disadvantage because they won't give you that benefit of the doubt that is afforded to many confused incoming freshmen. I believe a big reason for this is that regardless of what you want to study in college, there will always be a great many credits of required subjects that you MUST take anyway. So even when you don't know what your major will be, you are still getting work done towards your degree that is required. During a year off, you cannot do that.
Also, you said you wanted to work, but again, it depends - is this job just a job to make money, or is it what you really want to do? Or perhaps something that will help you in this pursuit? Most colleges won't care much about jobs that are just jobs, nor will they care much about the money you have saved. They will only care about what you bring to the table. So I would say, err on the side of caution. Definitely do what you feel is right and best for you, but don't let yourself stray too far off course, because in today's society, with its increasing population and often decreasing economy, it's best to get your foot in the door when you get a chance. Hope that helps!