If you added Susan and my hourly rate together, adjusting for quarterly bonuses from my company - it works out to $35/hour.
Most of it comes from me. I don't have a degree.
Susan's got a Masters degree in Psychology, and a crapload of student loans.
You get used to it after a while, but sometimes, in the middle of the night, you wake up in a cold sweat wondering, "what the FUCK am I going to do?"