Your guess is a bit off, average 401k for a 60 year old is north of 400k.
https://finance.yahoo.com/news/average-american-much-retirement-savings-141907331.html
So you’re making 200k+ a year and can’t afford to pay your debts? Sounds like a money management issue with that kind of salary. To put it in context a modest rent of $2000 a month would be about 24000 a year out of your 138000 take home pay. So either you’re not in the top 2 percent or something’s fishy.
How the heck does a system interpret a string value null as a literal null? That seems insane to me that there really is software out there written like this. “null” != null… Or so I thought, maybe there are languages out there that this can happen in easily? Or someone is storing the string value of null in a non nullable database column?
Yes, let the hate flow through you, young Padawan.