--- title: Extreme Time Value of Money: Late-stage Career Planning description: Kent Beck applies the economic concept of time value of money to late-stage career planning, arguing that as developers age, their personal discount rate... canonical: https://daily.dev/posts/extreme-time-value-of-money-late-stage-career-planning-ajiptnvdm twitter:card: summary_large_image twitter:site: @dailydotdev og:type: website og:site_name: daily.dev og:title: Extreme Time Value of Money: Late-stage Career Planning | daily.dev og:description: Kent Beck applies the economic concept of time value of money to late-stage career planning, arguing that as developers age, their personal discount rate... og:url: https://daily.dev/posts/extreme-time-value-of-money-late-stage-career-planning-ajiptnvdm og:image: https://api.daily.dev/og/posts/aJiPtnVDm.png og:image:alt: Extreme Time Value of Money: Late-stage Career Planning og:image:width: 1200 og:image:height: 630 og:locale: en --- > ## Documentation Index > Fetch the complete documentation index at: https://daily.dev/llms.txt > Use this file to discover all available pages before exploring further. # Extreme Time Value of Money: Late-stage Career Planning **[Software Design: Tidy First?](https://daily.dev/sources/tidyfirst)** · 7 min read · 0 upvotes · 0 comments ## Summary Kent Beck applies the economic concept of time value of money to late-stage career planning, arguing that as developers age, their personal discount rate becomes non-linear and eventually infinite — making long-term equity compensation (4–12 year vesting, delayed liquidity) far less valuable than it is for younger colleagues. He reflects on how mortality, and now a Parkinson's diagnosis, sharpens this calculus: a billion dollars in 30 years is worthless if you won't be alive or healthy enough to enjoy it. He advocates for financial literacy among developers and encourages thinking about how to earn sooner and defer spending, rather than sacrificing present value for speculative future gains. ## Full article daily.dev links to this article rather than hosting it. Read it at the original source: ## Similar posts on daily.dev - [The Beginnings of an Idea: XP is Long Volatility](https://daily.dev/posts/the-beginnings-of-an-idea-xp-is-long-volatility-yjg9lxvs5) · Software Design: Tidy First? · 0 upvotes · 0 comments --- Tags: [#career](https://daily.dev/tags/career) [View this post on daily.dev](https://daily.dev/posts/extreme-time-value-of-money-late-stage-career-planning-ajiptnvdm) ```json {"@context":"https://schema.org","@graph":[{"@type":"Organization","@id":"https://daily.dev/#organization","name":"daily.dev","url":"https://daily.dev","logo":{"@type":"ImageObject","url":"https://daily.dev/apple-touch-icon.png","width":180,"height":180},"sameAs":["https://twitter.com/dailydotdev","https://github.com/dailydotdev","https://www.linkedin.com/company/daily-dev-ltd"]},{"@type":"WebSite","@id":"https://daily.dev/#website","url":"https://daily.dev","name":"daily.dev","publisher":{"@id":"https://daily.dev/#organization"},"potentialAction":{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https://daily.dev/search?q={search_term_string}"},"query-input":"required name=search_term_string"}}]} {"@context":"https://schema.org","@type":"TechArticle","headline":"Extreme Time Value of Money: Late-stage Career Planning","url":"https://daily.dev/posts/extreme-time-value-of-money-late-stage-career-planning-ajiptnvdm","mainEntityOfPage":{"@type":"WebPage","@id":"https://daily.dev/posts/extreme-time-value-of-money-late-stage-career-planning-ajiptnvdm"},"datePublished":"2026-04-21T15:48:48.274Z","dateModified":"2026-04-21T15:49:09.520Z","description":"Kent Beck applies the economic concept of time value of money to late-stage career planning, arguing that as developers age, their personal discount rate...","image":"https://media.daily.dev/image/upload/f_auto,q_auto/v1/posts/e3cc43327b03a37b194d457a83123ebd?_a=AQAEuop","thumbnailUrl":"https://media.daily.dev/image/upload/f_auto,q_auto/v1/posts/e3cc43327b03a37b194d457a83123ebd?_a=AQAEuop","isAccessibleForFree":true,"articleSection":"Software Design: Tidy First?","inLanguage":"en","publisher":{"@type":"Organization","name":"daily.dev","url":"https://daily.dev","logo":{"@type":"ImageObject","url":"https://daily.dev/apple-touch-icon.png","width":180,"height":180}},"author":{"@type":"Organization","name":"Software Design: Tidy First?","logo":"https://media.daily.dev/image/upload/t_logo,f_auto/v1/logos/dfed97125daa47dda66c4df89430c08c","url":"https://daily.dev/sources/tidyfirst"},"commentCount":0,"discussionUrl":"https://daily.dev/posts/extreme-time-value-of-money-late-stage-career-planning-ajiptnvdm","interactionStatistic":[{"@type":"InteractionCounter","interactionType":{"@type":"LikeAction"},"userInteractionCount":0},{"@type":"InteractionCounter","interactionType":{"@type":"CommentAction"},"userInteractionCount":0}],"keywords":"career","timeRequired":"PT7M"} {"@context":"https://schema.org","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https://daily.dev"},{"@type":"ListItem","position":2,"name":"Software Design: Tidy First?","item":"https://daily.dev/sources/tidyfirst"},{"@type":"ListItem","position":3,"name":"Extreme Time Value of Money: Late-stage Career Planning"}]} ```