I think people also need to realize that starting out, you will likely have to work with/for someone else so that you have a referral base. When you do that, you not only share 'overhead' costs, but also pay for the referral base that the clinicians before you worked hard to get; often this can be 40-50%; do the math, and I think you'd agree that it would be a tough road to the 'big-bucks' right out of your graduate program. Unless you are in a geographical location crying for psychologists and you can just 'hang a shingle' based on your degree, I think it's worth making only cautious predicted incomes.