I've been working as a programmer since the spring of 1987. I've travelled all over North America, worked in many cities and with some of the biggest names in technology. I've had an absolute blast working with skilled and intelligent people who were not only good at what they did, but became good friends.
But it's time to face the facts: I can no longer work "office hour" jobs due to chronic migraines. Even with complete flexibility to work from home and at odd hours, I was barely able to get in 24-30 hours per week at the last company that was willing or able to work with me on the scheduling issues caused by the migraines.
I've therefore filed for disability here in Saskatchewan, and am in the process of getting approved for the SAID program (Saskatchewan Assured Income for Disability.) I used to pay twice as much in taxes per year in the '90s than I'll be getting under SAID, but at least it'll be subsistance living.
Don't make the same mistake I did of enjoying your income while you have it. Save and invest your money like it's going to be the last dollar you earn, because you never know when you're going to be hit by the proverbial bus and find yourself disabled. It's not fun, it's not a "safety net" as some claim, and it's a very depressing future to face.
But many of you will face that future, whether due to medical issues or accidents.
I'm going to try to keep Singularity One Systems, Inc. alive because every once in a while I do find a few hundred bucks worth of offsite programming I can do for someone. With the company, I can "bank" that income, and draw the $200/month I'm allowed to on disability over time, as well as running a few expenses like monitors and part of my internet/phone fees through the company instead of paying it all out of pocket.
Who knows? Maybe some day one of my pet projects will turn into a money maker. I've always said I'd program for a hobby if I weren't programming for pay, and that's where life is headed: hobby programming to keep myself from being bored silly in "retirement."