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Not sure 40 years is a fair number to use:

[S]ix years after finishing college, 57 percent of computer science graduates are working as programmers; at 15 years the figure drops to 34 percent, and at 20 years — when most are still only in their early 40’s — it is down to 19 percent. In contrast, the figures for civil engineering are 61 percent, 52 percent and 52 percent.

http://www.businessinsider.com/better-to-be-a-software-engin...

Also if you are in SV all of that money is going to go to rent, or maybe you will buy a house with the hope that property values are going to keep going up insanely and that you'll be able to sell at a high price later.
I thought that's because senior developers eventually move to management - which is good, IMO, not worse.