My dad works hard, but ultimately it was luck that got him making $60,000 a year, even more when he works overtime. Often when it comes to landing a good job, luck has more to do than what most people will ever realize. The average psychologists pay is $60,000/year. That means some worked very hard through intensive studies to earn a Doctorates and make far less than that, some had the luck to have an upbringing and location to get them more, and some were even more lucky and make far more than 60 grand a year. It's pretty much the same in any field, along with good fortune that you do not loose everything you have over a number of variables that are simply outside of your control.