I felt like writing comment again. I don't know where people got their idea from that person after PHD does not make good money. I know one dai who had his PHD in physics and was making 75k right after he finished his PHD. So it depends, where you get the job, what position, your luck and your people skill. And also I know one person in IT who make 18 an hour. You won't find a lot of nepalese people making 125k in this country until they are doctors or dentist. Our accounting professor who used to teach me while I was doing my MBA reveal his secret that he was making 120k (he used to drive 20 years old car, he knew how investment works). On top of it, like Kesar commented, you get 3 months off which will give plenty of time to explore other side businesses and investment and go different countries rather than being clock puncher all year round. 

Guy_Tensed, you have all your life to make money. Please complete it whatever you have started since if you have invested all that time already.