According to Krawcheck, “If we ask for a raise and get one big enough to close that gap, the investment we have just made in ourselves earns us nearly a 30 percent return on what, for many of us, is our biggest asset: our income stream. Compare that with investing in a 10-year government bond when it was yielding 2.48 percent, or in the stock market, which has returned 7.3 percent on average over the past decade.” She continues, “Put another way, if we earn $77,000 a year and