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I agree with a lot of what you are saying, but you haven't made over 40k between both you and your wifes income? That seems extremely unlikely with any coding skills. I don't know any juniors that are making less than 50k from php to javascript.

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It's true. My first role was to work an unpaid intern for a year. Then my first salary was $20k, followed by $35k only after working there for a couple years. It was going to be $30k but I was able to negotiate.

I think pg is correct, however.

Know any juniors without college degrees in relevant fields?

In my experience, they're usually more talented than their counterparts who have degrees. That seems to become less true with time, though.

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