I would agree, too many 40+ jocks stay with radio and never really learn any other skills. This wasn't always the case. If you study the early Top 40 jocks for instance, they were hustlers. Often owning a night club or promoting concerts, they saw radio as a stepping stone. Somewhere in the 70's it became more of a lifestyle, with jocks well into their 30's living basically the same lifestyle they did when they were 20. While the sharper jocks went into running or managing stations, leading sales departments or owning their own business, the radio is my life type knocked around station to station and market to market.
The next biggest change I've seen is in the last 15 years a lot of jocks that would adopt the lifestyle and attitude of their target audience. These folks usually don't know how to present themselves outside of the context of their present format. They are loud, don't dress well, & lack the manners needed in today's business world. Its great fun when your 27, at age 37 it is a little sad. This is especially true in rock, Alternative and CHR/Hip Hop formats. The jock tats up & dresses in his prison garb jeans at an age where his peers are managing banks or heading up marketing for high tech companies.
What I am seeing now is veteran jocks when they are out of work start believing they are all voice-over talents. I am not saying there aren't opportunities, but there is also tremendous competition for this work (especially the higher end stuff). Its also requires tremendous self-marketing skills and persistence. Its a business, not a lifestyle. I am not saying that those with on-air skills only can't be successful in other fields. On the contrary, good jocks are creative, think on their feet, usually are extroverted and have excellent computer and often times presentation skills. There is life after the air shift, don't give up.