> As a software developer, you have the privilege to not really care about money if you don’t want to.

That sounds nice for you, but your experience is not common I don't think. It's certainly not my experience as a software developer in Canada, where I struggled for years and even now make "just" a comfortable living.

I'm very happy I don't have to worry about rent and groceries and I can save quite a bit, but I'm certainly not able to "not care about money"