And similar to the low quality of developers... If you are even thinking about writing clean and testable code, having clearly defined API boundaries, and keep

And similar to the low quality of developers... If you are even thinking about writing clean and testable code, having clearly defined API boundaries, and keeping a repeatable build process, you are probably already significantly above average. If you are even trying to save, invest diversified, and manage risk as you age... you're probably doing better than like 80% of your peers financially