I’ve operated under the assumption that I won’t be able to get a job as a programmer after age 49 from the beginning. It affects how I plan for retirement, how

I’ve operated under the assumption that I won’t be able to get a job as a programmer after age 49 from the beginning. It affects how I plan for retirement, how I look at investments, how I view my career path, etc. My wife is well aware of this and we both plan accordingly. That’s why we have a 15 year mortgage. It’s how we plan for our kids college, etc. The goal is that as soon as the kids get out of school our monthly expenses will be as low as possible so that we can live very light or seek alternative income if needed. Either that or I’ll complete a multimillion dollar side project. :)