>I'll retrain with whatever skill is highly valued then.
Software development has been invaded by mouth-breathers who don't give a shit about what they're doing, and I don't see a way to switch careers as an adult chasing money without becoming one of those.
Well, it might involve respecting fellow human beings and acquiring a bit of humility.
And I don't meant that facetiously - interpersonal skills matter. A lot more than pure technical skills, because they allow you to leverage groups of people to achieve bigger goals.
Software development has been invaded by mouth-breathers who don't give a shit about what they're doing, and I don't see a way to switch careers as an adult chasing money without becoming one of those.