Last Updated on November 5, 2025 by stlplace
The best time is now; the second-best time is tomorrow. –anonymous
Career
Per my age and typical stereotype, I think I am expected to wind down my career in the software field now (my LinkedIn profile here). I understand career is more than a LinkedIn profile or a resume, but here in the USA IT IS one of those things that MATTER, in addition to title, experience and compensation history. Useless or but fun fact: I started my LinkedIn profile in 2008, about 17 years ago.
US companies are mostly snobs, in my not too humble opinions. I mean CEOs or the higher ups, not the average Jane and Joe. Doesn’t matter whatever they say publicly – their mission is making money for the owners, not for employees. This is quite obvious from the recent high-profile layoffs such as Amazon laying off 14,000 back-office people/white collar workers last week.
And I have my favorite quote related to that topic too. When questions by reporters why he took $55 million exit package in 2002, when he was forced out, former CEO of EDS, Electronic Data Systems, Dick Brown famously said: I have an expensive wife. I know I know, I don’t have expensive wife. But I also have two daughters who like to buy things. Or should I ass that they have good taste? 🙂
Sorry a bit off topic 🙂 Last month (Oct 2025) I passed 25 years’ work anniversary in the USA. I started working here on Oct 2nd, 2000. A lot has changed since I started working here. I have seen quite a bit of industry underwent paradigm shift. From the Internet bubble (web 1.0) burst to web 2.0 (remember delicious, Flickr and digg.com?). And now we have web 3.0 and more. My career wise, I changed from working in the CAD software to mostly enterprise web applications, with a bit of consulting and iOS dev in between.
I don’t want to be forced out
I have seen coworkers who are about 50 years old, being laid off, at multiple places. Some of them were caught off guard. I was much younger or a bit younger then. Now I am at that age. And I don’t want to be in their shoes. I have literally seen grownups crying when they got laid off.
Also, right now I felt I can still do some meaningful work. If the time comes that I feel I cannot contribute in a meaningful way, I will just quit.
Re: AI, we all know the AI is causing a lot of disruptions and anxiety among IT/software workers nowadays. But I also believe at least for now, my job is not impacted. And if I can learn those AI tools and they can actually help me doing my job.
How much money is enough
One problem is most of us don’t know the answer to “how much money is enough?”. Or my favorite answer is “a little bit more” (it’s both a joke and also has some truth to it).
But seriously I need to think about this question as the date of retirement is approaching, either I want to face it or not. Some of the things I am thinking about regarding this topic.
1. My retirement is probably going to be different from my parents’ retirement. They have a more traditional retirement. My dad has a pension, and I don’t. And they stopped working completely when they retire. I think I will likely do some work (not too strenuous), for example, I will manage my 401k and IRAs, as well as doing other things I like to do (music, walking outside, does that include swimming??? 🙂 And some social life too (not drinking at the bar, I mean probably I am good enough, I can play music at the bar, again just for fun, not for money 🙂
Do I continue to mow my lawns? If I am health enough and feel like it. If not, I can either outsource it or sell the house and move to a townhouse or condo. Note selling the house will be a joint decision not solely mine.
2. I will probably have some hobbies and some travel. But probably equally important, I need to manage my 401k and IRAs, making sure they have decent return and will last. This is also something my parents don’t do. Sorry I am getting repetitive here – signs of my age and the need to retire 🙂
Still TBD as of 11-03-2025 (JIRA board doesn’t look good in terms of velocity 🙂
I need to calculate how much my 401k and IRAs were earning in last 3 5 or 10 years or so. If the total earnings (capital gain + dividend) are approaching my take home pay of my day job, that will be a good sign. Obviously, I need to fact into my financial obligations: the big-ticket item will be my kid’s college costs, and it will also be a big unknown because the US higher education industry is very similar to the US healthcare industry in terms of price transparency 🙂 You may read more about the college cost here as I learned last year. Note that’s applicable for the American students only (I assume US citizens and permanent residents, not sure about the children of visa holders), and not for the international students. Consult an expert on this topic, if applicable.
3. When applicable, I am thinking some side hustles including but not limiting to Uber or eBay to make some money and have something to do.
Cannot counting on that for meaningful amount of money though – ideally main income stream should come from investments, as said in this old saying “if you don’t make money when you sleep, you will work until you die.” I for one definitely don’t want to work until I die.
PS:
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(Old blog post from yours truly, originally written about 20 years ago) Monday is not my favorite day
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