Even if they were in private practice, there is no way of knowing exactly how much $ they actually take home. They must have to carry one hell of a malpractice insurance policy, and possibly have a lawyer on retainer. My friend who is going into clinical psychology said that for the amount of money and time she spends on her education and training, she could go into bartending tomorrow (at the right place) and still make a killing. She says she is definitely not in this for the money.