I think the point to all this as well as what the original OP was trying to convey was, make as much money as you can before the age of 50, invest wisely, maximize your 401K the best you can and don't appear to be a job hopper every 2-3 years. If a layoff happens while in your 50's as opposed to being in your young 30's / early 40's, interviewing against younger lesser compensated talent always goes against the 20 year pharma veteran who is seen as an over priced career rep with nothing left in the tank. It's all about perception.