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You wont stand a chance by 45. Kids are younger and it is damn simple to understand they will take your job. I will retire by 50 or younger, especially with this kenyan klown of a president who is absolutely clueless.

There has been a paradigm shift that no one likes to talk about. As an employee, you now have until age 35 - maybe 40 - to demonstrate that you are upper management material. After that, due to health care expenses and the perception of declining productivity, you become a liability to the organization, and the math strongly encourages them to part with you in favor of younger employees who will work longer hours for less money.

So one has to decide on a course of action early: either get that MBA from a top school by age 30 and try to compete your way into an upper management slot, or use your employee years as an apprenticeship and learn what you need to know to start your own business by age 40. The days of sitting in the corner cubicle as an Accounting Supervisor or Senior Software Engineer until age 65 are long gone. There was no formal notice given - but the world has changed.