.

ROI of Various Degrees and Career PathsUnemployment Dataftp://ftp.bls.gov/pub/special.requests/lf/aa2003/aat25.txt

.

ftp://ftp.bls.gov/pub/special.requests/lf/aa2003/aat7.txt

.

Total College Cost / Yr20,000This is an estimate of net average cost for a year of college after taking into account financial aid and subsidized loans

.

Inflation Rate2%

.

High-School Only Wage18000http://www.bls.gov/opub/ted/2003/oct/wk3/art04.htm

.

High-School Only Employment Rate95%

.

.

Inflation Index11.021.04041.0612081.082432161.10408080321.1261624192641.148685667649281.171659381002271.195092568622311.218994419994761.243374308394651.268241794562551.29360663045381.319478763062871.345868338324131.372785705090611.400241419192421.428246247576271.45681117252781.485947395978361.515666343897921.545979670775881.57689926419141.608437249475231.640605994464731.673418114354031.706886476641111.741024206173931.775844690297411.811361584103351.847588815785421.884540592101131.922231403943151.960676032022021.999889552662462.039887343715712.080685090590022.122298792401822.164744768249862.208039663614852.252200456887152.297244466024892.343189355345392.39005314245232.437854205301352.486611289407372.53634351519552

.

After-tax High School Wage by Age136081388014158144411473015024153251563115944162631658816920172581760317955183151868119054194361982420221206252103821458218882232522772232272369224166246492514225645261582668127214277592831428880294583004730648312613188632524331743383834515

.

NPV at 10% Discount Rate

.

Lifetime After Tax Earnings Sum1079843

.

.

.

.

Major: Computer ScienceInitial Salary50000http://www.naceweb.org/press/display.asp?year=2007&prid=264Employment Rate95%

.

After 5 yrs.83160.773348681http://www.bls.gov/oes/current/oes_nat.htm#b15-0000

.

Age

.

181920212223242526272829303132333435363738394041424344454647484950515253545556575859606162636465

.

After Tax Income-20000-20000-20000-200003307537705.54233646966.55159755010.851570152556111.068601555557233.289973586658377.955773058459545.514888519560736.425186289961951.153690015763190.17676381664453.980299092465743.059905074267057.921103175768399.079525239269767.06111574471162.402338058872585.6503848274037.363392516475518.110660366877028.472873574178569.042331045680140.423177666581743.231641219883378.096274044385045.658199525286746.571363515688481.50279078690251.132846601792056.155503533793897.278613604495775.224185876597690.72866959499644.5432429859101637.434107846103670.182790003105743.586445803107858.458174719110015.627338213112215.939884977114460.258682677116749.46385633

.

NPV of Surplus Earnings-33608-28567-24284-2064592729666970694949108834671786173530945663927337729052498214818481589136711751011869748643553476409352303260224192166142122105917867585043373227

.

NPV at 10% Discount Rate-33608-30800-28230-258761253014083152471608016632164331523814130131021214911266104469687898283297723716166416158571052954909455242213914363033663121289426832488230721401984184017061582146713601261116910841006932

.

Rate of Return18.60%Total NPV of Surplus Earnings-395

.

NPV at 10% Discount Rate170124

.

Lifetime After Tax Earnings Sum3335360

.

Avg. Take Home / Yrs. Education17371.6670737772

.

.

Major: Pre-med (Primary Care)Med School Cost50000http://www.aamc.org/programs/first/debtfactcard.pdfEmployment Rate99%

.

Initial Salary45000Assumes four year residency

.

After training161546.395570549See MDSalaries xls sheet, with data taken from http://data.bls.gov/oes/search.jsp?data_tool=OES

.

Age

.

181920212223242526272829303132333435363738394041424344454647484950515253545556575859606162636465

.

After Tax Income-20000-20000-20000-20000-50000-50000-50000-5000033311.2533977.47534657.024535350.16499103640.090078286105712.891879851107827.149717448109983.692711797112183.366566033114427.033897354116715.574575301119049.886066807121430.883788143123859.501463906126336.691493184128863.425323048131440.693829509134069.507706099136750.897860221139485.915817426142275.634133774145121.14681645148023.569752779150984.041147834154003.721970791157083.796410207160225.472338411163429.981785179166698.581420883170032.5530493173433.204110286176901.868192492180439.905556342184048.703667469187729.677740818191484.271295634195313.956721547199220.235855978203204.640573098207268.73338456

.

NPV of Surplus Earnings-33608-30196-27133-24384-40844-36569-32743-293206915628657155195217021972917936163051482313475122501113710124920483677607691562865715519547234294390335493226293326662424220320031821165515051368124411311028934849772

.

NPV at 10% Discount Rate-33608-30800-28230-25876-44211-40375-36874-33679810275136966646027524255222366621945203491886917497162241504413950129361199511122103149563886882237625707065566079563752274847449541683865358433233081285726492457227821121959

.

Rate of Return12.20%Total NPV of Surplus Earnings318

.

NPV at 10% Discount Rate108868

.

Lifetime After Tax Earnings Sum5245997

.

Avg. Take Home / Yrs. Education13661.4500343444

.

.

Major: EnglishEmployment Rate94%

.

Initial Salary20000http://www.insidehighered.com/news/2007/12/12/gradaid

.

After training60000This is optimistic: Assumes English PHD and subsequent university position, http://www.bls.gov/oes/current/oes_nat.htm#b25-0000

.

Age

.

181920212223242526272829303132333435363738394041424344454647484950515253545556575859606162636465

.

After Tax Income-20000-20000-20000-200001504015340.815647.61615960.5683216279.779686416605.37528012816937.48278573063948040269.641074.99241896.4918442734.421676843589.11011033644460.892312542745350.110158793646257.112361969447182.254609208848125.89970139349088.417695420950070.186049329351071.589770315952093.021565722253134.881997036654197.579636977455281.531229716956387.161854311357514.905091397558665.203193225459838.5072570961035.277402231862255.982950276463501.102609281964771.124661467666066.547154696967387.878097790868735.635659746770110.348372941671512.555340400472942.806447208474401.662576152675889.695827675777407.489744229278955.639539113880534.752329896

.

NPV of Surplus Earnings-33608-31012-28618-2641321820319017716515514485257959743169386478604856465272492245954290400637403492326030442842265324772313215920161882175716411532143013351247116410871014947884826771720

.

NPV at 10% Discount Rate-33608-30800-28230-258762121971821691571451357907733267996304584654215027466143224008371634463195296327472548236221912031188317471619150213921291119711101029955885821761706654607563522

.

Rate of Return9.25%Total NPV of Surplus Earnings-57

.

NPV at 10% Discount Rate-15246

.

Lifetime After Tax Earnings Sum2165084

.

Salary / Yrs. Education11276.479119255

.

.

Major: Pre-law (JD)Law School Cost50000http://www.nytimes.com/2008/03/18/us/18law.html?_r=2&oref=slogin&oref=sloginEmployment Rate98%http://www.elsblog.org/the_empirical_legal_studi/2007/09/distribution-of.html

.

Salary124230http://www.bls.gov/oes/current/oes231011.htmLaw school salary distribution is highly bimodal, so we're forced to just use the basic bls salary number for attorneys in "Legal Services" (non-public sector) and inflation adjust from there

.

Age

.

181920212223242526272829303132333435363738394041424344454647484950515253545556575859606162636465

.

After Tax Income-20000-20000-20000-20000-50000-50000-5000078892.261580470.1067382079.508864683721.09904189285395.521022729887103.431443184488845.500072048190622.410073489192434.858274958994283.555440458196169.226549267298092.6110802526100054.463301858102055.552567895104096.663619253106178.596891638108302.16882947110468.21220606112677.576450181114931.127979185117229.750538768119574.345549544121965.832460535124405.149109745126893.25209194129431.117133779132019.739476455134660.134265984137353.336951303140100.40369033142902.411764136145760.459999419148675.669199407151649.182583395154682.166235063157775.809559765160931.32575096164149.952265979167432.951311299170781.610337525174197.242544275

.

NPV of Surplus Earnings-33608-29461-25828-22645-37009-32329-2824223782210941870916594147181305511579102709109807971666356563750004435393434893094274524342159191516991507133611851051932827734651577512454403357317281249221196

.

NPV at 10% Discount Rate-33608-30800-28230-25876-44211-40375-36874324633010227913258832400022255206361913517744164531525714147131181216411280104599699899383397733717066496165571753014916455842273919363433703125289826872491231021421986184217081584

.

Rate of Return15.00%Total NPV of Surplus Earnings-280

.

NPV at 10% Discount Rate186198

.

Lifetime After Tax Earnings Sum4709446

.

Salary / Yrs. Education14016.2092105894

.

.

AccountingEmployment Rate97%

.

Salary69500http://www.bls.gov/oes/current/oes132011.htm

.

Initial Salary50000http://www.calcpa.org/content/licensure/requirements.aspx

.

181920212223242526272829303132333435363738394041424344454647484950515253545556575859606162636465

.

After Tax Income-20000-20000-20000-2000036187.536911.2546947.2547886.19548843.918949820.79727850817.2132235651833.557488031252870.228637791853927.633210547755006.185874758656106.309592253857228.435784098958373.004499780859540.464589776560731.27388157261945.899359203463184.817346387564448.513693315265737.483967181667052.233646525268393.278319455769761.143885844871156.366763561772579.49409883374031.083980809675511.705660425877021.939773634378562.37856910780133.626140489181736.29866329983371.024636564985038.445129296286739.214031882288473.998312519890243.478278770292048.347844345693889.314801232595767.101097257197682.443119202399636.0919815864101628.813821218103661.390097642105734.617899595

.

NPV of Surplus Earnings-33608-28736-24573-2101511105960811774101868812762465965706493742713695319727662393207017911549134011601003868751650562486421364315272236204176153132114998574645548413631

.

NPV at 10% Discount Rate-33608-30800-28230-25876146561359017850165521534814232131971223711347105229757904783897779721366896202575153334945458542523943365633903143291527032506232421551998185317181593147713701270117810921013939871808

.

Rate of Return17.90%Total NPV of Surplus Earnings-116

.

NPV at 10% Discount Rate144875

.

Lifetime After Tax Earnings Sum3038202

.

Salary / Yrs. Education17375

.

.

ArchitectureEmployment Rate96%

.

Salary73650http://www.bls.gov/oes/current/oes171011.htm

.

Initial Salary37500http://www.architectmagazine.com/industry-news.asp?sectionID=1006&articleID=471543Four years as an intern, then a couple more to gain experience

.

181920212223242526272829303132333435363738394041424344454647484950515253545556575859606162636465

.

After Tax Income-20000-20000-20000-20000-2000026887.528680315483441638813.642159.645505.649286.5850272.311651277.75783252303.3129886453349.379248412854416.366833381155504.694170048756614.788053449657747.083814518658902.02549080960080.066000625261281.667320637762507.300667050563757.446680391565032.595613999366333.247526279367659.912476804969013.11072634170393.372940867871801.240399685273237.265207678874702.010511832576196.050722069177719.971736510579274.371171240780859.858594665582477.055766558884126.5968818985809.128819527887525.311395918489275.817623836791061.333976313592882.560655839794740.211868956596635.016106335798567.7164284624

.

NPV of Surplus Earnings-33608-30196-27133-24384-2191466726694711173558003808880588047731566506046549649964542412937543413310228202564233121191926175115921447131611961087989899817743675614558507461419381346315286

.

NPV at 10% Discount Rate-33608-30800-28230-25876-237217366753981688617956498591001910205946387758137754569966487601655785172479644474124382435463288304928272622243122542090193817971666154514331329123211421059982911845783726

.

Rate of Return12.20%Total NPV of Surplus Earnings395

.

NPV at 10% Discount Rate49959

.

Lifetime After Tax Earnings Sum2710635

.

Salary / Yrs. Education12275

.

.

Airline PilotsEmployment Rate92%

.

Salary148410http://www.bls.gov/oes/current/oes171011.htmhttp://science.howstuffworks.com/pilot3.htm

.

Initial Salary19200http://www.geocities.com/av8trxx99/FAQ.htmlHours and experience have to be built, and it takes years to get to a major airline. For these purposes, a 15% increase per year is assumed until reaching 15 years experience, then the bls salary grows with inflation. Tax rates are increased incrementally as pay risesPilots retire early

.

181920212223242526272829303132333435363738394041424344454647484950515253545556575859606162636465

.

After Tax Income-20000-20000-20000-2000014100.4816215.55218647.884821445.0675223182.1179891226659.43568748830658.351040611235257.103696702940545.669251208343829.868460556250404.348729639657965.001039085566659.751194948376658.713874190688556.24790327.3719492133.919378893976.59776637695856.129721703597773.252316137699728.7173624604101723.29170971103757.757543904105832.912694782107949.570948677110108.562367651112310.733615004114556.948287304116848.08725305119185.048998111121568.749978073124000.124977635126480.127477188129009.730026731131589.924627266134221.723119811136906.157582208139644.280733852142437.166348529

.

NPV of Surplus Earnings-33608-29785-26399-23400-376626153423592582326138804445496349135344574161076446680060975467490343963942353531702842254922852049183816481478132511881065955857768689618554497

.

NPV at 10% Discount Rate-33608-30800-28230-25876-430740187629833377440954256427742075978545949210442113971243211528106899912919185237903732867956301584354185024465843204005371434443194296127462546236121892030

.

Rate of Return13.75%Total NPV of Surplus Earnings147

.

NPV at 10% Discount Rate106241

.

Lifetime After Tax Earnings Sum3278712

.

Salary / Yrs. Education18551.25First 8 yrs of flying (to age 30) is considered 50% training

.

.

Teachers (K-12)Employment Rate97%

.

Salary52450http://www.bls.gov/oes/current/oes252031.htmhttp://www.nea.org/student-program/about/state.html

.

Initial Salary32000http://www.payscale.com/research/US/All_K-12_Teachers/Salary/by_Years_Experience

.

181920212223242526272829303132333435363738394041424344454647484950515253545556575859606162636465

.

After Tax Income-20000-20000-20000-200002332824261.1225231.564826240.82739227290.4604876828382.078907187229517.362063474730698.056546013731925.978807854233203.017960168434531.138678575135912.384225718237348.879594746938236.0539000.77139780.7864240576.402148441387.93019136842215.688795195443060.002571099343921.202622521244799.626674971745695.619208471146609.531592640547541.722224493448492.556668983249462.407802362950451.655958410151460.689077578352489.902859129953539.700916312554610.494934638855702.704833331556816.758929998257953.094108598159112.155990770160294.399110585561500.287092797262730.292834653263984.898691346265264.596665173266569.888598476667901.286370446269259.3120978551

.

NPV of Surplus Earnings-33608-30913-28436-26160595958415716558554505311517050274882473845934449430740373757349732543029281926232441227221151968183117041586147613741279119011071031959893831773720670623580540502468

.

NPV at 10% Discount Rate-33608-30800-28230-258765873573555925444529351404985482946744519436542134063379535193263302628062602241222372074192317841654153414221319122311341051975904838777721668620575533494458425394

.

Rate of Return9.60%Total NPV of Surplus Earnings-140

.

NPV at 10% Discount Rate-6632

.

Lifetime After Tax Earnings Sum1928293

.

Salary / Yrs. Education13112.5

.

.

PharmacistsPharmacy School Tuition20000http://www.aacp.org/Docs/MainNavigation/InstitutionalData/6860_Tab11PSAR.pdfEmployment Rate99%

.

Salary98960http://www.bls.gov/oes/current/oes171011.htm

.

http://www.pharmacy.purdue.edu/students/prospective/ProfCurr.php

.

181920212223242526272829303132333435363738394041424344454647484950515253545556575859606162636465

.

After Tax Income-20000-20000-20000-20000-20000-2000057739.560947.2563487.78864757.5437666052.694635267373.74852790468721.223498462170095.647968431371497.560927872927.51214635674386.062389283175873.783637068777391.259309810178939.084496006380517.866185926482128.22350964583770.787979837985446.203739434687155.127814223388898.230370507890676.19497791892489.718877476394339.513255025996226.303520126498150.8295905289100113.846182339102116.123105986104158.445568106106241.614479468108366.446769057110533.775704439112744.451218527114999.340242898117299.327047756119645.313588711122038.219860485124478.984257695126968.563942849129507.935221706132098.09392614134740.055804663137434.856920756

.

NPV of Surplus Earnings-33608-29082-25167-21782-18854-163211696515559140121226810741940482337209631155264838423637093247284324892179190816711463128111219828607536595775054423873392972602281991741531341171029079

.

NPV at 10% Discount Rate-33608-30800-28230-25876-23721-217472394223254221802056619071176841639815205140991307412123112411042496668963831177077146662661445698528348994543421239063622335831142888267824832302213519801836170215781464135712581167

.

Rate of Return16.50%Total NPV of Surplus Earnings-267

.

NPV at 10% Discount Rate173305

.

Lifetime After Tax Earnings Sum3833475

.

Salary / Yrs. Education16493.3333333333

.

.

Registered NursesTypically three years of school, then one year spent getting certification/testingEmployment Rate99%

.

Salary62480http://www.bls.gov/oes/current/oes291111.htm

.

Initial Salary48000http://www.payscale.com/research/US/Job=Registered_Nurse_(RN)/Hourly_Rate

.

181920212223242526272829303132333435363738394041424344454647484950515253545556575859606162636465

.

After Tax Income-20000-20000-2000003553236953.2838431.411239968.66764841567.4143539243230.110928076843167.43244030.7806444911.396252845809.62417785646725.816661413147660.332994641448613.539654534249585.810447624950577.526656577451589.077189708952620.858733503153673.275908173254746.741426336655841.676254863456958.509779960658097.679975559959259.633575071160444.826246572561653.72277150462886.79722693464144.533171472765427.423834902266735.972311600268070.691757832269432.105592988970820.747704848672237.162658945673681.905912124575155.54403036776658.654910974478191.828009193879755.664569377781350.777860765382977.793417980684637.349286340286330.09627206788056.698197508489817.8321614585

.

NPV of Surplus Earnings-33608-29019-25060-90751119710110912482317423669256494935431237673291287525122195191716751464127911179768537456515694974343793312892532211931691471291129886756657504438

.

NPV at 10% Discount Rate-33608-30800-28230-1085014208136161304312489119541143710247950288118170757670256514604056015194481644664141384035613302306228392632244122632099194618051673155214391334123711471064986915848786729676627

.

Rate of Return16.75%Total NPV of Surplus Earnings464

.

NPV at 10% Discount Rate106168

.

Lifetime After Tax Earnings Sum2598021

.

Salary / Yrs. Education15620

.

.

Graphic DesignersEmployment Rate94%

.

Salary45340http://www.bls.gov/oes/current/oes271024.htm

.

.

181920212223242526272829303132333435363738394041424344454647484950515253545556575859606162636465

.

After Tax Income-20000-20000-20000-2000029833.7230430.394431039.00228831659.7823337632292.977980435232938.837540043933597.614290844834269.566576661734954.957908194935654.057066358836367.13820768637094.480971839737836.370591276538593.09800310239364.959963164140152.259162427440955.304345675941774.410432589442609.898641241243462.09661406644331.338546347445217.965317274346122.324623619847044.771116092247985.66653841448945.379869182349924.28746656650922.773215897351941.228680215252980.053253819554039.654318895955120.447405273856222.856353379357347.313480446958494.259750055859664.14494505760857.427843958162074.576400837363316.06792885464582.389287431165874.037073179767191.517814643368535.348170936269906.0551343549

.

NPV of Surplus Earnings-33608-30468-27624-25047987890618311762469936414588453974950454141653821350432142949270524812276208719151756161114781355124311401046960880807741679623572524481441405371340312286263241

.

NPV at 10% Discount Rate-33608-30800-28230-2587610316956688708225762770726558608156395229484844964169386635843324308228582650245722792113195918171685156214481343124511551071993921854792734681631585543503467433401

.

Rate of Return11.20%Total NPV of Surplus Earnings-22

.

NPV at 10% Discount Rate18218

.

Lifetime After Tax Earnings Sum1993523

.

Salary / Yrs. Education11335

.

.

Insurance Underwriter / AppraiserInitial Salary40000http://www.payscale.com/research/US/Industry=Commercial_Insurance/SalaryEmployment Rate95%

.

Salary57795http://www.bls.gov/oes/current/oes132053.htm

.

http://www.bls.gov/oes/current/oes131031.htm

.

181920212223242526272829303132333435363738394041424344454647484950515253545556575859606162636465

.

After Tax Income-20000-20000-20000-200002632029531.0432859.99363631038029.1138789.692239565.48604440356.7957648841163.931680177641987.210313781242826.954520056843683.493610457944557.163482667145448.306752320446357.272887366847284.418345114248230.106712016449194.708846256850178.603023181951182.175083645652205.818585318553249.934957024854314.933656165355401.232329288656509.256975874457639.442115391958792.230957699759968.075576853761167.437088390862390.785830158663638.601546761864911.37357769766209.60104925167533.79307023668884.468931640770262.158310273671667.40147647973100.749506008674562.764496128876054.019786051477575.100181772479126.602185407880709.13422911682323.3169136983

.

NPV of Surplus Earnings-33608-29929-26656-237437058780483348682819173806650599253994865438439503559320728902604234621141905171615471394125611311020919828746672606546492443399360324292263237214193173156141

.

NPV at 10% Discount Rate-33608-30800-28230-258767916900898981061210303955488598215761770636549607356315222484244904163386135803319307828542647245422762110195718141682156014471341124411531070992920853791733680630585542

.

Rate of Return13.20%Total NPV of Surplus Earnings-555

.

NPV at 10% Discount Rate53673

.

Lifetime After Tax Earnings Sum2342055

.

Salary / Yrs. Education14448.75

.

.

Civil & Mechanical EngineersInitial Salary50000http://www.payscale.com/research/US/Job=Civil_Engineer/SalaryEmployment Rate96%

.

After 10 yrs75200http://www.bls.gov/oes/current/oes172051.htm

.

http://www.bls.gov/oes/current/oes172141.htm

.

181920212223242526272829303132333435363738394041424344454647484950515253545556575859606162636465

.

After Tax Income-20000-20000-20000-200003346035467.637475.239482.841490.44349845505.647513.250323.8451330.316852356.92313653404.0615987254472.142830694455561.585687308356672.817401054457806.273749075658962.399224057160141.647208538261344.48015270962571.369755763263822.797150878465099.25309389666401.238155773967729.262918889469083.848177267270465.525140812571874.835643628873312.332356501374778.579003631476274.15058370477799.633595378179355.626267285680942.738792631482561.59356848484212.825439853785897.081948650787615.023587623889367.324059376291154.670540563892977.76395137594837.319230402596734.065615010698668.7469273108100642.121865857

.

NPV of Surplus Earnings-33608-29207-25385-220651034597339091843977927162655559785570489843073787333029282575226419911750153913531190104692080971162655048442537432928925422419717315213411810391807062

.

NPV at 10% Discount Rate-33608-30800-28230-258761279312694125031224011918115501114910723105369769905984007789722366976210575953404952459142573948366133953148291927062510232721582001185517201595147913721272117910941014940872809750

.

Rate of Return16.00%Total NPV of Surplus Earnings536

.

NPV at 10% Discount Rate112362

.

Lifetime After Tax Earnings Sum2860449

.

Salary / Yrs. Education18800

.

.

Other Engineers (Chemical, Petroleum, Nuclear, Aerospace, Biomedical, Other Engineering)Employment Rate96%

.

Initial Salary60000http://www.payscale.com/research/US/Job=Chemical_Engineer/Salary

.

After 10 yrs85000http://www.bls.gov/oes/current/oes_nat.htm#b17-0000

.

181920212223242526272829303132333435363738394041424344454647484950515253545556575859606162636465

.

After Tax Income-20000-20000-20000-2000042159.644167.246174.848182.45019052197.654205.256212.85688258019.6459180.032860363.63345661570.9061251262802.324247622464058.370732574865339.538147226366646.328910170967979.255488374369338.840598141870725.617410104672140.129758306773582.932353472875054.591000542376555.682820553278086.796476964279648.532406503581241.503054633682866.333115726284523.659778040886214.132973601687938.415633073689697.183945735191491.127624649893320.950177142895187.369180685697091.116564299499032.9388955854101013.597673497103033.869626967105094.547019506107196.437959896109340.366719094111527.174053476113757.717534546

.

NPV of Surplus Earnings-33608-28399-24000-202841354112060107019464834673416441564047674076348529802547217818621592136111649958517276225324553893322842432081781521301119581695951433732272320

.

NPV at 10% Discount Rate-33608-30800-28230-25876187351809517414167041597615240145031377212625117071085610066933486558026744269016399593455025102473143874068377234983243300727892586239822232062191217731644152414131311121511271045969898

.

Rate of Return19.30%Total NPV of Surplus Earnings1

.

NPV at 10% Discount Rate174069

.

Lifetime After Tax Earnings Sum3271033

.

Salary / Yrs. Education21250

.

.

PsychologistsGrad Salary20000http://psychology.about.com/od/careersinpsychology/a/trainingreq.htmEmployment Rate99%

.

Initial Salary50000http://www.allpsychologyschools.com/faqs/clinical-psychology-salary.php

.

After 10 yrs70000http://www.bls.gov/oes/current/oes_nat.htm#b19-0000

.

181920212223242526272829303132333435363738394041424344454647484950515253545556575859606162636465

.

After Tax Income-20000-20000-20000-2000015792157921579215792157923454536272.2537999.539726.754145443181.2544908.546635.754836349330.2650316.865251323.20250452349.6665540853396.659885161654464.593082864855553.884944522156664.962643412657798.261896280858954.227134206460133.311676890661335.977910428462562.69746863763813.951418009765090.230446369966392.035055297367719.875756403269074.273271531370455.758736961971864.873911701273302.171389935274768.214817733976263.579114088677788.850696370479344.627710297880931.520264503782550.150669793884201.153683189785885.176756853587602.8802919905

.

NPV of Surplus Earnings-33608-30661-27975-2552671246625780-68744372537029678065136234594856585368495545744222389835983321306528302612241122262054189617511616149213771271117310831000923852786726670618571527486

.

NPV at 10% Discount Rate-33608-30800-28230-2587672647726482-7177537589738871596909664363666084579953774986462342873975368634183169293927252527234321732015186817321606149013811281118811011021947878814755700649602

.

Rate of Return10.50%Total NPV of Surplus Earnings486

.

NPV at 10% Discount Rate10911

.

Lifetime After Tax Earnings Sum2373280

.

Salary / Yrs. Education9333.33333333333Grad school is 75% training

.

.

Police Officerhttps://portal.chicagopolice.org/portal/page/portal/ChicagoPolice/GET_INFORMED/InsideCPD/JoinTeamCPDEmployment Rate96%

.

Initial Salary40000http://www.payscale.com/research/US/Job=Police_or_Sheriff's_Patrol_Officer/Salary

.

Salary50000http://www.bls.gov/oes/current/oes_nat.htm#b33-0000Police Officers tend to retire early

.

181920212223242526272829303132333435363738394041424344454647484950515253545556575859606162636465

.

After Tax Income-20000-2000002674028411.2530082.531753.753342534093.534775.3735470.877436180.29494836903.9008469637641.978863899238394.818441177239162.714810000739945.969106200840744.888488324841559.786258091342390.981983253143238.801622918144103.577655376544985.64920848445885.362192653746803.069436506847739.130825236948693.913441741749667.791710576550661.14754478851674.370495683852707.857905597553762.015063709454837.255364983655934.000472283357052.68048172958193.734091363559357.608773190860544.760948654661755.656167627762990.769290980364250.584676799965535.5963703359

.

NPV of Surplus Earnings-33608-28896-10298763072396795632358415081442038453345291025322202191616671450126110979558307226285474764143603132722372061791561361181038978685951

.

NPV at 10% Discount Rate-33608-30800-117019240934593509274913184677851728067516260580453824991462842913979369034213173294227282530234621752017187017341608149113831282118911021022948879815756701

.

Rate of Return17.25%Total NPV of Surplus Earnings-249

.

NPV at 10% Discount Rate77716

.

Lifetime After Tax Earnings Sum1748053

.

Salary / Yrs. Education16666.6666666667

.

.

StockbrokerInitial Salary40000http://www.payscale.com/research/US/Job=Stock_Broker/SalaryEmployment Rate94%

.

Salary90470http://www.bls.gov/oes/current/oes413031.htm

.

.

181920212223242526272829303132333435363738394041424344454647484950515253545556575859606162636465

.

After Tax Income-20000-20000-20000-200002634829641.53293536228.53952242815.54610949402.55269655989.559592.58960784.4407862000.129595663240.13218751264504.934831262265795.033527887567110.934198445268453.152882414169822.215940062471218.660258863772643.033464040974095.894133321875577.812015988277089.36825630878631.155621434180203.778733862881807.854308540183444.011394710985112.891622605186815.149455057288551.452444158490322.481493041592128.931122902493971.509745360495850.939940267697767.95873907399723.3179138544101717.784272132103752.139957574105827.182756726107943.72641186110102.600940097112304.652958899114550.746018077

.

NPV of Surplus Earnings-33608-29207-25385-2206564176959722872887192698266926348597055755213458440303544311627402409211918631638144012671114979861757666585515453398350308271238209184162142125110978575

.

NPV at 10% Discount Rate-33608-30800-28230-25876793590769940105701099911261113821138511292111191096410167942887428106751769706463599355575153477844314108381035333276303728172612242222462082193117901660153914281324122711381055979907

.

Rate of Return16.00%Total NPV of Surplus Earnings-968

.

NPV at 10% Discount Rate125635

.

Lifetime After Tax Earnings Sum3194146

.

Salary / Yrs. Education22617.5

.

.

Physical Scientist (Astronomy, Physics, Chemistry, etc)Employment Rate97%

.

Salary78100.1744393022http://www.bls.gov/oes/current/oes_nat.htm#b19-0000Used weighted avg salary for 19-2011, 2012, 2021, 2031, 2032, 2042, 2099

.

Grad School Salary20000Assumes four years of grad school

.

181920212223242526272829303132333435363738394041424344454647484950515253545556575859606162636465

.

After Tax Income-20000-20000-20000-200001547215781.4416097.068816419.01017652866.008077963753923.32823952355001.794804313456101.830700399757223.867314407758368.344660695859535.711553909760726.425784987961940.954300687763179.773386701564443.368854435565732.236231524267046.880956154768387.818575277869755.574946783371150.68644571972573.700174633474025.17417812675505.677661688677015.791214922378556.107039220880127.229180005281729.773763605383364.369238877485031.65662365586732.289756128188466.935551250690236.274262275792040.999747521293881.819742471695759.45613732197674.645260067499628.1381652688101620.700928574103653.114947146105726.177246089107840.70079101109997.514806831112197.465102967114441.414405027

.

NPV of Surplus Earnings-33608-29538-25963-22824429381339302123251096097478667770868546095542048204287381233903015268123842120188516761491132611791048932829737656583519461410365324288256228203180160143127

.

NPV at 10% Discount Rate-33608-30800-28230-258765074704364041722415972148101373312734118081094910153941587308095750669606454598555505146477244254103380435283271303328132608241822432079192817881658153714261322122611371054977906

.

Rate of Return14.70%Total NPV of Surplus Earnings-190

.

NPV at 10% Discount Rate108585

.

Lifetime After Tax Earnings Sum3176981

.

Salary / Yrs. Education11157.1677770432

.

.

Biological & Life Scientist Employment Rate97%

.

Salary69174.1460036635http://www.bls.gov/oes/current/oes_nat.htm#b19-0000

.

Grad School20000Assumes four years of grad schoolUsed weighted avg salary for 19-1011, 1012, 1013, 1021, 1022, 1023, 1029, 1031, 1041, 1042, 1099

.

181920212223242526272829303132333435363738394041424344454647484950515253545556575859606162636465

.

After Tax Income-20000-20000-20000-200001547215781.4416097.068816419.01017646823.979429879847760.459018477448715.66819884749689.981562823950683.781194080451697.45681796252731.405954321253786.034073407654861.754754875855958.989849973357078.169646972858219.733039912259384.127700710560571.810254724761783.246459819263018.911389015664279.289616795965564.875409131866876.172917314568213.696375660869577.97030317470969.529709237472388.920303422273836.698709490675313.432683680476819.701337354178356.095364101279923.217271383281521.681616810883152.115249147184815.1575541386511.460705212688241.689919316990006.523717703291806.654192057393642.787275898495515.643021416497425.955881844799374.4749994816101361.964499471

.

NPV of Surplus Earnings-33608-29903-26609-2368045040636532911372102389217829874706725605454504907441739773580322329022612235221171906171615451391125211271015914822740667600540486438394355319288259233210189

.

NPV at 10% Discount Rate-33608-30800-28230-2587650747043640414406133581238711486106509876915884927874730167706278582153985005464143043991370134313182295027362537235221812023187617391613149513871286119211061025951881817758

.

Rate of Return13.30%Total NPV of Surplus Earnings66

.

NPV at 10% Discount Rate71719

.

Lifetime After Tax Earnings Sum2812031

.

Salary / Yrs. Education6666.66666666667

.

.

Financial AnalystMBA Tuition50000Employment Rate97%

.

Salary81700http://www.bls.gov/oes/current/oes132051.htm

.

Initial Salary45000

.

181920212223242526272829303132333435363738394041424344454647484950515253545556575859606162636465

.

After Tax Income-20000-20000-20000-2000030397.531005.4531625.55932258.07018-50000-5000055188.3556292.11757417.9593458566.318526859737.64489733660932.397795282762151.045751188463394.066666212264661.947999536465955.186959527167274.290698717768619.77651269269992.172042945871392.015483804872819.855793480974276.252909350575761.777967537577277.013526888378822.55379742680399.004873374582006.98497084283647.124670258985320.067163664187026.468506937388766.997877076190542.337834617692353.1845913194200.248283136296084.253248798998005.938313774999966.0570800504101965.378221651104004.685786084106084.779501806108206.475091842110370.604593679112578.016685553114829.577019264

.

NPV of Surplus Earnings-33608-30196-27133-243849886898881717428-26256-23514122081109910090917283397581689162655695517847074279389035363215292326572415219619961815165015001363123911271024931847770700636578526478434395359

.

NPV at 10% Discount Rate-33608-30800-28230-2587610701992392018532-30763-28102148821380012796118651100310202946087728134754369946486601455765171479544464123382335453287304828262621243022532090193817971666154514331328123211421059982911

.

Rate of Return12.20%Total NPV of Surplus Earnings84

.

NPV at 10% Discount Rate53997

.

Lifetime After Tax Earnings Sum3042178

.

Salary / Yrs. Education15000

.

.

Human Resources SpecialistEmployment Rate95%

.

Salary56740http://www.bls.gov/oes/current/oes131079.htmhttp://www.bls.gov/oes/current/oes271024.htm

.

Initial Salary36000

.

181920212223242526272829303132333435363738394041424344454647484950515253545556575859606162636465

.

After Tax Income-20000-20000-20000-2000023889.625880.427871.22986231852.833843.635834.437652.66438405.7172839173.831625639957.30825811240756.454423274241571.583511739742403.015181974543251.07548561444116.096995326344998.418935232845898.387313937546816.355060216247752.682161420648707.73580464949681.890520741950675.528331156851689.038897779952722.819675735553777.276069250254852.821590635255949.878022447957068.875582896958210.253094554859374.45815644660561.947319574961773.186265966463008.649991285764268.822991111465554.199450933666865.283439952368202.589108751469566.640890926470957.973708744972377.133182919873824.675846578275301.169363509876807.19275078

.

NPV of Surplus Earnings-33608-30386-27475-248465926629965296642665966006480626157275239479343854011366933573071280925702351215019671800164615061378126011531055965883807739676618565517473433396362331303277254

.

NPV at 10% Discount Rate-33608-30800-28230-258766256674170827303742274567420726767386248579453724982461942833972368334153167293627232525234121712013186717311605148813801280118711001020946877813754699649601558517480

.

Rate of Return11.50%Total NPV of Surplus Earnings-418

.

NPV at 10% Discount Rate24970

.

Lifetime After Tax Earnings Sum2163568

.

Salary / Yrs. Education12000

.

.

Major: Pre-med (Specialist)Med School Cost50000http://www.aamc.org/programs/first/debtfactcard.pdfEmployment Rate99%

.

Initial Salary45000http://www.facs.org/medicalstudents/answer2.html

.

After training190192.956189506See MDSalaries xls sheet, with data taken from http://data.bls.gov/oes/search.jsp?data_tool=OES

.

Age

.

181920212223242526272829303132333435363738394041424344454647484950515253545556575859606162636465

.

After Tax Income-20000-20000-20000-20000-50000-50000-50000-5000033311.2533977.47534657.024535350.1649936057.1682898122018.291043378124458.656864245126947.83000153129486.786601561132076.522333592134718.052780264137412.413835869140160.662112586142963.875354838145823.152861935148739.615919174151714.408237557154748.696402308157843.670330354161000.543736961164220.554611701167504.965703935170855.065018013174272.166318374177757.609644741181312.761837636184939.017074389188637.797415876192410.553364194196258.764431478200183.939720107204187.61851451208271.3708848212436.798302496216685.534268546221019.244953917225439.629852995229948.422450055234547.390899056239238.338717037

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NPV of Surplus Earnings-33608-30049-26869-24028-40053-35686-31796-2833366506016544249234454219411984917956162441469513294120271088098438904805572876593596453954881441639953614326929572675242021901981179216211467132712001086982889804727

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NPV at 10% Discount Rate-33608-30800-28230-25876-44211-40375-36874-336798102751369666460599030245280462600624115223612073519227178281653215329142151318112222113331050997459036837977697204668061955744532649394580424739383651338631402911270025032321

.

Rate of Return12.75%Total NPV of Surplus Earnings281

.

NPV at 10% Discount Rate147655

.

Lifetime After Tax Earnings Sum5993594

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Salary / Yrs. Education17290.2687445005