"When people look at the current rates, they say, should I take on an extra contract? Should I save and invest? Should I go for that promotion? Should I do extra study?
"When people see that you're going to lose 39 cents in every extra dollar ... there will always be some people that say, you know what, it's not worth it."
It's really rough for these people making $180k+ a year, not knowing whether it's worth study or extra contracts to help them get ahead.