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It's a bell curve, you need to be at the top to make over 6 k. If you are ranked in the 26-75%, there really isn't much difference. After taxes and 401k contribution 6500 and 4500 are pretty close.It's great if you are 74%, not so much if you are 26th. It pays more to kick butt with one product (top 5%) than to do pretty well with everything. To make money, at least one product has to be top 10%.