Borrow a recently popular picture to see if there is no job, the deposit in your hand is enough for several years (according to the annualized rate of 3.5%, the interest will continue to be included in the financial calculation):
If the annual expenditure is around 100,000 yuan (equivalent to 8333 yuan per month, it should be relatively rich), so a deposit of 3 million yuan is basically enough to lie flat.
Then let's calculate whether a programmer can survive if he is unemployed in middle age, does not work or works freelance.
How much money can a programmer save if he works until he is 35?
According to Liepin research, the average annual salary of Internet programmers is 318,400, which is quite reasonable for programmers who work until the age of 35 (if the salary is 15, the monthly salary is about 20,000). If you work in a major Internet company in a first-tier city, the salary may be even higher.
If you spend 100,000 yuan a year, you can still save 200,000 yuan a year, and you can save 2.6 million yuan from working at the age of 22 to 35 years old. If you are willing to live a life with low material desires, 2.69 million + interest is enough for programmers to go back to their hometown for a lifetime.
How do programmers earn enough money before the age of 35?
It is not terrible to have a crisis at the age of 35. Even if you are unemployed at the age of 35, you can still get a good salary by freelance work or changing careers. Coupled with the original savings, programmers can live a very nourishing life.
Of course, the salary level of programmers in various industries varies from place to place. There are programmers with an annual salary of one million, and there are also programmers with an annual salary of one or two hundred thousand. To get rid of the mid-life crisis, programmers need to make as much money as possible to ensure their future life. Here are three ways to make money :
1. Freelance work to make money for a lifetime
The safest way for programmers to make money is to have their own sideline: to earn 8 hours of income through freelance work, not affected by the mid-life crisis at the age of 35, but also to increase their own income as much as possible before the age of 35 deposits.
There are many modes for programmers to work freely, the most typical of which are private work orders and self-media.
Making money through private work orders is to go to various programmer outsourcing platforms to receive orders and do projects, earn a certain amount of income, and at the same time expand your technical circle. There are many platforms for programmers to receive orders, such as Programmer Inn , Fiverr , Kaibang , Devnors , and Freelancer are all relatively reliable websites with a good reputation. You can check them out one by one and choose according to your needs.
Another way to work freely is to do self-media, which is more suitable for technical tycoons or programmers who want to express themselves. For example, programmer Ao Bing, programmer Xiao Hui, Si Yuanwai, etc. are all big guys who have done a good job in the industry.
2. Earn the money before the age of 35 through promotion and salary increase in the main business
If the sideline business is open source, then the main business is a more stable wage income. After all, freelance work is rich and frugal, but the monthly salary is actually paid to you. If you can actually increase your monthly salary, then it will be a good income over time.
I would like to share some of my own work experience with you, hoping to give you some inspiration:
① It is very important to choose the right company. If the company’s money is far below the market price, job hopping is also a good choice.
②Choose the right leader/project as above.
③Don't be hard-pressed, but you must learn to show your presence in front of the leader, and make your position irreplaceable.
④ Take the initiative to strive for, boldly take up work if there is work, and raise boldly when there is demand. Of course, the premise is that you have the right to speak in front of the leader.
⑤Don't give up the pursuit of technology, don't be muddled, always care about technology trends, don't just care about the direction of resigned colleagues.
⑥ Expand your circle, the older you are, the more important your circle is.
3. Change careers to earn money after the age of 35
After the age of 35, if you feel that the freelance salary is not enough to support your life, you can also choose to change careers and find a suitable job.
According to my observation, the more suitable jobs for programmers after unemployment are:
① Working as a technical specialist in a small company/bank/state-owned enterprise for the elderly : the salary is not as high as before, and the stability is better. Monthly income + interest from financial management + occasional sideline income can also live a very nourishing life.
②Manual work such as Didi/delivery staff : more work, more pay, as long as you work hard, the salary is also 10,000+. Many programmers hate mental work, but feel that such physical work gives them more sense of accomplishment, and even their bodies are much better than before.
③Invest in a small business : if you are small, you can set up a stall to sell sausages, and if you are large, you can invest in a restaurant. This is also a good choice in the case of capital preservation. (PS: Investment is risky, and if you are not careful, you may lose it all. You can hold on to such low-cost stalls. If you plan to invest in big business, you must be cautious and ensure that you can bear such risks )
④Do insurance/open an online store : If you have accumulated a certain amount of contacts, it is good to do insurance/sales, and you can serve more programmers
~ Similarly, make money through platform income, courses, etc.
In fact, it is not terrible for programmers to be unemployed in middle age. Programmers have already enjoyed the dividends of the times. The most important thing is that before the tide recedes, they will not be stranded easily if they hold their bargaining chips well.