Yeah, you're fucked unless you work fewer hours. By "fucked" I mean "doomed to a relatively-miserable existence". I don't care if you have a FETISH for writing code, you do not want to do it ~40 hours/week.
We need a four-day (32-hour) workweek. Give me a 20% pay cut, I don't care. Most of us here make well over $100k/year. What we need is TIME.
This is, of course, by design. ACA made it a bit more realistic for part-time/self-employed people to get health insurance, however if you have to get your insurance through the ACA marketplace (healthcare.gov), you ARE paying more for it than if you were a FTE drone.
We need a four-day (32-hour) workweek. Give me a 20% pay cut, I don't care. Most of us here make well over $100k/year. What we need is TIME.