[throw1235435]

Generally from a financial planning standpoint 35-50 is typically the "grinding years" where mortgage, family, and other life commitments means that typically your career investment needs to pay off to make it through. In some ways it is the "danger zone" financially. Hard to change careers (not young enough), but not yet worked enough to retire with large expenses coming in. This isn't unique to software engineers either -> this is most people in most jobs.

There are also mixed people on these forums in different regions, countries, work experiences, etc. For example software in most places in the world had an above average salary but not extremely high (i.e. many other white collar professions would pay similar/more). For those people where it is a standard skilled role it probably hits even harder now than say the ones with lots of stock who can retire early and enjoy the new toy that is AI.