I think the money needs to be on autopilot and able to sustain you by mid-40s.
To be honest you can retrain. But very few businesses outside of desperately new tech are willing to pick up a retooled 40 something at a lower level and pay than previous. SW dev and changing platforms and languages and not retooling the whole plant of the persons skill sets.
Switching platforms like to the phone is still an incremental step with same core principles involved. Crossing core is much more difficult and businesses are much less interested in those attempting it.
Meanwhile back on Rancho California, our Governor signed extended climate change legislation yesterday impacting our cost environment locally.
