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"In tech, you never realistically need to worry about money or losing your job (as it is so easy to find another) - most people don't have this comfort."

This is a misconception. If you work in a cost-centre (biz speak for not making direct dollars) your task maybe cut. I've seen whole divisions in corporations cut when savings were required. Startups are notoriously flakey for employment for reasons other than direct failure. If you work in an area with measurable sales (product) you may make a lot of money.

Tech at the moment reminds me of Rock music in the 70's. Lots of cash splashing about, deals done, people making money in making music. If there is a re-adjustment due to technology, for example the move to coughDigital/CDscough in the 80's using our music analogy?