People forget that statistically the devs hanging around on HN are in the top brackets. The overwhelming majority of devs are 9-5 paycheck players with exactly the level of competence required to execute J2EE and .NET CRUD apps that pass internal acceptance testing.
If you are an enterprise dev with a knack for making web apps that are't horribly insecure, and you don't have a phantasmagorically awesome comp package already, more advice: start looking for new gigs. You're underemployed.
The problem is to the PHB's in HR, there doesn't appear to be a difference between you and the guy who just makes it work, security-be-damned except that you likely take longer and cost more.
In a market like the New York, Boston, or Seattle areas, with 5+ years of experience, a top tier software engineer should be able to pull down $100k salary plus 401(k), a good health insurance package (ie, something better than a high deductible plan plus HSA), and long term/short term disability insurance. Adjust the salary number for your local cost of living.
If you are an enterprise dev with a knack for making web apps that are't horribly insecure, and you don't have a phantasmagorically awesome comp package already, more advice: start looking for new gigs. You're underemployed.