I mean... how nearsighted is this supposed to be? You literally cannot see the job market improving (or the startup environment for that matter) at any point i

I mean... how nearsighted is this supposed to be? You literally cannot see the job market improving (or the startup environment for that matter) at any point in your remaining 25 years of employment? Sure, if nothing changes you're in great shape, but change is inevitable, and the likelihood everything you've mentioned stays the same is effectively zero.