I used to feel the same way as you, and I realised two things. It's also worth noting that I am a programmer, like you.
The first thing I realised is, I/you don't actually need fuck-you money. You need fuck-you independence. You need to not be beholden to any particular paymaster for your livelihood. That's far easier to achieve by multiplying revenue streams than by earning fuck-you money.
The second thing I realised is, you're more likely to multiply your revenue streams if you focus on building yourself up rather than sacrificing everything for one job/career/objective.
The real problem with this advice is that those people who really, really need to hear it are precisely the ones who will react like you - by saying that it doesn't apply to them.
Yes, it applies to you. It may take you years to realise it, or you may never get there - people tend to apply advice when they're ready for it, not when the advice is offered - but it is absolutely, 100% for you.
The first thing I realised is, I/you don't actually need fuck-you money. You need fuck-you independence. You need to not be beholden to any particular paymaster for your livelihood. That's far easier to achieve by multiplying revenue streams than by earning fuck-you money.
The second thing I realised is, you're more likely to multiply your revenue streams if you focus on building yourself up rather than sacrificing everything for one job/career/objective.
The real problem with this advice is that those people who really, really need to hear it are precisely the ones who will react like you - by saying that it doesn't apply to them.
Yes, it applies to you. It may take you years to realise it, or you may never get there - people tend to apply advice when they're ready for it, not when the advice is offered - but it is absolutely, 100% for you.