[WingedPanther]

It depends on several things:
1) how much experience do you have and what kind?
2) where are you going to live? 40k in Silicon valley is poverty, 40k in nowhere Kansas is wealth
3) do you have any special/unusual skills that can complement your programming skills?

I make over 40k with a Master's in math and only a couple CS courses. Good money in my area, but not enough to make me "rich".