I'm mostly concerned that I'll be destitute when I'm too old to get hired. And hiring in software development is cutthroat, unless you are happy grinding out meaningless widgets to mostly line someone else's pocket.
Nobody around me seems to give this a second thought though. I don't see how they aren't setting themselves up for misery in the long run.
Honestly, in the US, you will be destitute unless you are immensely wealthy. Nursing homes cost $100K a year today, imagine what they will cost when it's your time to be in one. Insurance doesn't cover it, neither does Obamacare. If you go the Medicaid route, they will take all your income and assets minus your house and car, assuming they are paid for.
It gets depressing fast, enjoy it as much as you can until that day comes.
Nobody around me seems to give this a second thought though. I don't see how they aren't setting themselves up for misery in the long run.