There are two people from my family work for 投资银行 so I know their actual income. I can assure you None of them make near 400k. But they are just barely 25, so 钱程无量。
But I also know a guy (27) worked for hedge fund for 2 years when he first out of college. He declared retirement this year. He made a small fortune and is enough to have his own hedge fund comp. He is humble. He said he'll run his company from a sailboat because sailing is his passion. :-)
Life is not always fair as old saying goes.
As for our ordinary people, we live an ordinary life. That means 9-5, salary just enough to feed the family, pay the mortage, and save some for retirement. When you are 60, you retire with just enough to support yourselves to 90. What happens after 90? Only God knows.
The key is, I live a happy life. So, I'm happy. :-) Who cares how much other people makes.