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I think it's also a risk tolerance thing.

To analogize, if you are a general carpenter, you can always find work, but it will be at a lower rate. However, it will be varied.

If you are a fine cabinet carpenter, your work will likely be more focused, possibly more repetitive, more lucrative, and harder to find (you'll have to seek out the folks who need really really nice cabinets).

Exactly. And maybe the grass is always greener, but sometimes I envy the COBOL guy who earns a small fortune doing something that doesn't involve learning a new language and framework every two years.

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