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1) When Does a software engineer start financial planning for retirement since the our Career span is only 15-20 years on average.
2) How much and which schemes to invest to mitigate the risk?
3) How much do we need for retirement?
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Nah fam
Yes. Utilization will become more of a factor when you're a staff 2, but you still want to make sure you're utilized as a staff 1. Definitely ask around for work. Don't wait for it to be June and your utilization is more than 20 Pts below 94%
Also, you'll have time to pick up other projects. Just make sure you have some work in the meantime.