Yes to the first three, but my salary will also be 10 years better as will my Spouse's. Low 6 figures combined or better (our target for 10 years) is more than

Yes to the first three, but my salary will also be 10 years better as will my Spouse's. Low 6 figures combined or better (our target for 10 years) is more than enough for a family and massive savings per year unless you decide to buy a mansion or live in SanFran. Certainly enough to bootstrap something. The state of my back is thankfully entirely within my control. I stay fit, and that includes keeping my back strong and loose, as well as investing in a good chair and monitor stands (considering a standing desk). I have no desire to walk into work with my head practically below my shoulders like some of my older co-workers. As for business opportunities, I see no reason why there should be fewer in 10 years. Different sure, but likely just as many. There are still plenty of areas of growth in technology, no reason to think they'll be dwindling in 10 years. Younger single people do have some advantages. They can undercut experienced professionals on salary and can move at the drop of a hat. Which is why if/when I start a business I won't be competing with 20-somethings on writing CRUD apps. :)