We can speculate on where the market will go, but obviously, yes, programmers (and everyone else) should plan for lower pay because there's a reasonable possibi

We can speculate on where the market will go, but obviously, yes, programmers (and everyone else) should plan for lower pay because there's a reasonable possibility your pay will be lower, and part of financial stability is being ready for such possibilities. The market isn't the only reason you might be paid less in the future.