Well, for one I know I'll never write any spectacular piece of software that will really make a difference. My only half-decent contributions were to port a library from one language to another.
As you rise in rank, you are associating with people who are all of higher intelligence. I made whatever i could on dint of twice the effort and reading a lot more. I am fortunate I was able to save enough money since i reached a stage where I knew i could not continue to be employed. I was too old to be a continue at middle management, and too stupid to move to higher management. I've retired and lead a slow life living on savings. I do programming for fun, but no-brainer stuff.
Sometimes I do think i am blessed with stupidity. Most intelligent people i know are miserable, spending their entire lives chasing wealth or becoming something to be happy.