The 22-year-old country star recently topped Forbes magazine`s list of highest paid celebrities under the age of 30 and is saving up her hard-earned cash for her future family because she wants a brood of at least four.
Taylor said: "That money will be really good for sending my kids to college some day - or maybe I`ll have a few more kids than I thought. I want a bunch of them running around, minimum four."
The starlet is dating 18-year-old Conor Kennedy, the great-nephew of John F. Kennedy, but Taylor is keen to wait a few years until she starts to think about settling down and becoming a parent.
The blonde beauty added to Marie Claire magazine: "I want to wait a while, but the idea of pouring everything you are into another person when you become a parent has always been amazing to me."
Taylor - who has dated a string of Hollywood hunks including Joe Jonas, Taylor Lautner, John Mayer and Jake Gyllenhaal - also confessed she is a hopeless romantic despite having her heart broken in the past.
She gushed: "[I believe in love] even after it explodes into a million pieces and burns down and you`re standing in a pile of the ash of what it once was thinking, `Why did I have to meet this person, why did this have to happen?`
"But then, when you make eye contact with someone across the room and it clicks and, bam, you`re there. In love again."