That's correct, OCDC and no quiero.

Several Nepali I have met have no idea what PhD brings conditional on you being successful in PhD. For example, a good finance professor can expect a salary in the range of 200-300K easily within five years of his work. Situation may have changed lately, but I read this article in The Atlantic from Gregory Clark awhile ago, that says " when Washington University, a school with an economics department of modest prestige, hired economists David Levine and Michele Boldrin by offering salaries well in excess of $500,000.  But most high ranked economics departments have professors earning in excess of $300,000" [See, the whole article http://business.theatlantic.com/2009/02/wheres_my_money_idiot.php, and Michele denies she gets that much!] Given that they work only a few hours in a whole week, to be a tenured professor in the field of economics, finance etc is more lucrative than being a anaestheologist!

Of course, it is not easy to get into a good program, be successful there, and get a professor position. , There are other fields such as physics, chemistry, biology which doesn't bring as much money either. But if you are good, and can get into good finance program, I say go for it, and don't listen to those who think getting 50K job working 65 hours a week is a successful career option.