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That is true.
It does come from changing jobs.
But if you change jobs all the time, you have no semblance of life.

I think the hidden drawbacks you mentioned are a bigger concern than lifetime earnings.

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People dont realize when you change jobs, you lose like 2 months of earnings.
That affects your benefits, 401k, everything.
Then the training and meeting new people...
If money is what you are going after, go for it.

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