Joel is awesome, althought I don't agree with him on everything.  He's got it nailed.  When you're working a dead-end job, being paid less than everyone at other companies, in an environment where even your chair is falling apart, doing the same thing you did last year and the year before, money becomes a very big issue.  It's why they pay people big bucks at banks to do COM/ATL programming.  No one wants to do it and everyone recognizes it.  I wish companies would take a deeper look at themselves and say "Am I really making a difference to my employess?"