Naval Ravikant addresses this brilliantly, he explains that its important to take advantage of the modern way of building wealth where you dont need intermediaries. Having programming skills give you the ability to build solutions that solves problems for which people pay to have access to which is how you then build wealth.

This post is full of ambiguous marketing terms, the internet is full of "enhance efficiency" claims! If you're advertising your services, you need to be more specific. "SaaS" is a term that is so generic, it has no meaning. What cloud software is it that you're advertising? How exactly does it enhance efficiency?....even after you've answered this, there's a long way to go before I can understand what you're truly offering before determining if its something that can ACTUALLY bring any value to an organisation. Summary of my answer: Be more specific please...