Re:We work from home (Score 1)

"Max out your 401k as soon as humanly possible".

Good advice. I've been independent contractor for 23 years. At one of my major clients (a Fortune 500 MegaCorp), there is a steady steam of grey-haired workers being marched to the door by security. At the same time, every day a new H1B or other type of foreign worker shows up to fill an open position. They make the switch quietly, a few workers at a time, so as to not get noticed by the press.

If you can hang on until you are 55, you can start to draw down your 401k when you leave your employer. If they kick you to the curb before that, you need to find something to do until you are 59 1/2. In any event, being able to work beyond your early 50's isn't a sure thing.