Either way you're going to want to have a backup career plan. By 40 if not earlier you could be forced out of tech by ageism or something else. Unless you transition into management, but even then. I don't think middle management is going to be immune to AI-enabled employment destruction. So you basically should plan to make most of your money from software in the first decade or two. Live cheap and save/invest it.

Best to plan and train early because its super hard to switch careers mid life. Trust me, I'm failing at it right now.