kiluyar 发表于 11-5-2014 23:43
http://www.vaikan.com/what-happens-to-older-developers/
我看了以后，很害怕
原版里面有个连到hn的文章，还不错。
第一个回复看起来差不多包括了全部可能，不算太乐观。
总结了一下：
1. management
2. "thought leader" positions, act as architects or whatnot
3. branch out and start your own gig
4. just get out of development entirely
但是也有牛人能赚到300k~。
有个家伙给了些意见：https://news.ycombinator.com/item?id=7377484
My gross comp is ~$350k, 60% cash.
The 3 main learnings that I've leveraged to get that high are:
0) be the top performer on your team, no excuses
1) ask very explicitly for the things you want [0]
2) negotiate from a position of power (have a BATNA [1])
---
[0] "I'd like a raise" != "I'd like my salary to be $X"
[1] http://en.wikipedia.org/wiki/Best_alternative_to_a_negotiate...
然后有人说：
According to globalrichlist.com, if you earn $300,000/yr, you earn more than 99.97% of people in the world. If you were to walk past a random sampling of 10,000 people on the street - only three of them would earn more than you.
还有一个家伙算了一下账，挺吓人的。可惜我看不太懂。@资料盒
https://news.ycombinator.com/item?id=7376450
There are two problems with hitting a plateau @ 300K: Housing costs and College Tuition.
At the traditional 3x debt to gross income metric, your home mortgage would be capped around ~$900k, vs the $1.3-1.5MM range of current trading prices. Which is not terrible if you lock something in. However, once you are at 4x paying for schools becomes a far greater challenge. You could be looking at anywhere for $175-250 per kid. So, capitalize this and you are at $350-500K. That is, your combined "future obligations" would be something in the range of $1.7 to $2.0MM (exclusive of retirement). Which is something closer to 6.5x gross income. Which is pretty highly leveraged. You're after tax cash flow without real-estate tax shields could easily be ~200k, so you are looking at something like 10x cash-flow leverage. That is about as high as most PE guys will take a decent c-corp.
Just start shielding your income and assets as soon as possible. Strategize to minimize exposure to asset inflation (housing, education). The IRS (tax man) and the "doo gooders" in academia (ironically, the new "alternative minimum tax" man) have really boxed in the middle class (read: the not-rich enough) from the perspective of lifetime earnings. Most of your "savings" will be at risk to get swept from you, thanks to "financial aid" effect driving college tuitions.
These numbers get bounced around every now and then but they are worth considering. Inflation in "raw materials costs" for knowledge workers (kids) need to get passed on to customers (ie, employers) if you want to stay in the same place (red queen effect and all that).
This is relevant when you are evaluating career moves down the road. |
楼主: cais
发表于 12-5-2014 09:16:13
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