Ha! spot on. You're touching on a lot of valid points here.
Privilege. Maybe you're passionate about coding but you're a young mom trying hard and can't really put after work hours for coding.
Matter of taste. Align your values with the company you work for. If you think algorithms are critical, go for FANGs. If you think formal education is valuable, look for corporates. If you value portfolio, perhaps go for startups.
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Ha! spot on. You're touching on a lot of valid points here.