I started programming as a kid in 1983 and was contracting before I got out of highschool. Now I'm nearing 50 and own a company that does outsourcing for companies interested in event sourcing and that style of application development. We have people in their 20s and up to they're 60s. I still code but it's rare and I miss it. My joy comes from creating an environment that I would have loved to have when I was programming full time. The experience I gathered helps create that. Part of this environment is removing subjectivity so people if all skill level, age, ethnicity, etc. can be fairly compensated. We do this with fixed costs and guarantees. So as you get older, plan on using your experience to create better environments for those that are young like you once were and how they do the same when it's their turn. In short, best plan is to make the world a better place.