[Jtsummers]

Semi-serious: If you're in the US and a US citizen, get a gov't job. They need programmers, especially mid-to-senior career folks. Put into the 401k-alike (TSP) and max it out. At age 62 you'd be worth several million dollars and would be getting a pension (before other retirement income) of around 30-40k/year in today's dollars. Many gov't jobs are in lower cost of living areas letting the money go even further. You can also (depending of course on how policies change over the next 30 years) carry your health insurance into retirement, with the government paying their share just like when you were employed and you paying the rest out of your pension (this will be a significant portion of your retirement spending past age 50 or 60 anyways).