Lots a hand-wavy examples written by someone who does not strike me as having expertise in this. If I’m a 30 YO software developer today what would be my hedge

Lots a hand-wavy examples written by someone who does not strike me as having expertise in this. If I’m a 30 YO software developer today what would be my hedge if this timeline is accurate? My best guess is to reduce spending and save as much as possible.