Software Engineer Advises Against Long-Term Loans, Even with High Salary, Due to AI's Influence
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Aaj Tak
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Software Engineer Advises Against Long-Term Loans, Even with High Salary, Due to AI's Influence

Artificial intelligence (AI) is rapidly integrating into the technology industry, increasing the use of AI tools for coding, testing, and performing many other tasks. Consequently, discussions among technical specialists have intensified regarding job security, salary levels, and necessary future skills.

A video from one IT specialist became a topic of discussion on social media. She cautioned software engineers against taking out long-term loans based on their current income and employment status.

Prins Warsawal shared the video on Instagram, noting that even if an engineer's salary is 40, 50, or 100 million rupees, one cannot assume that their job, income, and skills will remain unchanged over the next 10–15 years. She emphasized: 'If you are a software engineer, regardless of your package, be very careful when taking out a long-term loan because AI is very real.'

Warsawal also addressed the stress associated with repaying monthly installments (EMI) after job loss. She explained that while a job might seem stable now, and everything might be fine for one or two years, fifteen years is too long. During this time, significant changes may occur in the role of a software engineer, required skills, and company needs.

The text accompanying her video also reflected this financial pressure, stating: 'Losing a job is stressful. Losing a job with EMI payments is a completely different level of stress.'

She clarified that she is not claiming that jobs in software engineering will disappear. Her view is that it is incorrect to take on a 15-year financial commitment assuming that the job, salary, and skills will remain the same over such a long period.

The emergence of AI does not lead to the complete disappearance of software engineers' jobs, but rather changes how they are performed. AI tools are actively used in tasks such as code generation, code review, testing, debugging, and documentation. This means that jobs are not disappearing, but the required skills and ways of working in the technology industry are changing. Therefore, it is critically important for specialists to constantly learn new technologies and update their competencies.

Many users reacted to Warsawal's video, calling her advice practical. One user noted that it was genuinely helpful advice, while another pointed out that long-term EMI payments could become a serious financial burden in the future. Nevertheless, a person's future career or earnings cannot be determined solely based on AI; it depends on the company, role, experience, skills, and industry needs.

Thus, the main point of this video is not the disappearance of software engineering, but the necessity of considering future uncertainty when making financial commitments for a period of 15–20 years.

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