You sort of nailed it, but most 40+ somethings need to get out of 'full time employment' status in to consulting or some other more independent status to keep t

You sort of nailed it, but most 40+ somethings need to get out of 'full time employment' status in to consulting or some other more independent status to keep the money and status going up. Not everyone, of course, but that tends to be the trend. The 40+ folks I know who just want to go get a 9-5 coding job seem to have a harder time landing one than the 20 somethings I know.