The majority of federal workers earn way less. I'm at $46K with two degrees and having started in 1989. Half of my salary goes to gas and commuting costs, the rest is taxes, retirement, health insurance (which BTW refuses to pay for anything when you actually need it), and for leave which is earned by years in service. On a good pay period, after paying my bills and rent, I have two hundred left over to play with or save. A former coworker who started in 1998 is still earning less than $40K, with the same agency, with an accounting degree and veteran's status. Those in the $80K, which I'll probably never earn in my entire life, are management...and management always takes care of themselves. They're the only ones not hurt by the pay freeze which only affects us little people....
Laura