Matt
There is a huge call for contract work on the OT side, though. Mrs Pennypacker left her hospital job a while ago and has been doing contract work with children under the age of 3. $65 per half hour and she's been forced to turn down a lot of cases. One time initial evals are $125 per case. She won't do that, though, until she gains some more experience working with the kids.
Another thing to consider is a feeling a accomplishment. I work my ass off to make a lot of old guys sitting in a board room a lot of money. My wife changes the lives of children and parents for the better.