Lets not forget, what you make has a lot to do with where you live (what part of the country)...........I know that a lot of you are west coasters (and a few east coasters), but some kids reading this in the midwest may get the wrong idea. haha (I live in the midwest by the way).

My goal coming out of college was to make $100K/year by the time I was 30..........I am now 27 and I make about $60K per year.......gonna have to change jobs if I want to reach my goal. I knew that it was a bit lofty, but what is the use in setting goals that are easy to achieve.

Like the previous posts..........I find FTOlimited to be a little sketchy.............I am still confused at how you think you can get a PhD before, or at the same time, as a masters degree. But then again, you did say it was your first year in college, so you have been there what............two weeks? It will take some time to get adjusted and fully understand what is going on.