for the record, physics cards are basically worthless, crap drivers for crap hardware that makes no difference, gpu's and cpu's can handle the physics......and with the advent of multicore cpu's sound processing will again revert back to being done by the processor, and vista is a step in that direction considering they made it so only openal audio can actually make use hardware acceleration from a soundcard.
More than you asked for I know, but don't worry about a physics card.
Lastly, tons of people in this world make over 300k a year. Dentists, doc's, surgeons, lawyers, and probably the biggest % of people in that bracket are simply business owners. I knew a guy who made 800k a year building prisons, you can make a lot of money doing a lot of things.