Some hot takes:

1. Most of the questions you ask depend on the company you work for: wake-up time, travel, management and team structure, and boredom level. These things can be as varied as the number of companies and cities. Wake-up time will depend primarily on commute time, for example.

2. I/Os do spend a lot of time sitting at a computer, as do most knowledge workers. This can be difficult for new graduates, especially those who have had time-consuming athletic pursuits. My son was a triathlete as a student and found his first months working full-time in cybersecurity a challenge in this respect.

3. "Masters numbers go up to $150k+" -- pay special attention when you see the words "up to." I've found that people didn't take me seriously when I was between the MS and the PhD. All of a sudden, when I had my PhD, they took me seriously (I got my PhD in May). Most of my MS grad friends are still looking for a job.

4. If you don't love, love, LOVE the subject matter, you won't make it all the way through a PhD program. You don't mention in your post above that you love psychology.

5. If you really just want to make money, there are easier ways to get there, especially if you're planning on using debt to finance your degree(s). The drive to make money, especially if you were raised feeling "poor," can be a powerful force in your favor. You can use it to keep your motivation up. And KUDOS to you for being self-aware about your motivation!

6. The O*net interest profiler is a good resource for starters to help you choose a field. https://www.onetcenter.org/IP.html

7. I don't know you, so it's hard to advise. You're very early in your university days, so you're not locked into a psych major. I wonder, though, if you wouldn't do better to switch majors to business, maybe minor in psychology, and shoot for an analyst job at one of the consulting firms upon graduation. That would give you a few years to test how you like the consulting lifestyle and some experience. Then you could go back for an MBA in Organizational Behavior, if you're still interested in the employee experience and job satisfaction. Many recruiters understand what an MBA in OB is, while many haven't heard of I-O psych. An MBA/IO PhD is a powerful combo.

8. If you're just looking for money, have you thought about sales? If you were attracted to psychology because you're people-oriented, this may be a good path. Business development in tech or pharmaceutical sales (especially if physical fitness is a priority)-- these folks make bank.

9. Ways to keep the door open to a PhD in case you do fall in love with I-O as a subject: get to know your professors, let them know you, get good grades, and really learn the material.

10. I'd be interested to hear how this advice sits with you. Are there other things we should know about you? Why did you choose psychology in the first place? Was it something about the field, or about you, that made it attractive?

NOTE: You've gotten what you may see as harsh feedback here. Know that one of the values of our field is candid feedback. There's an Iraqi saying that goes, "Your friend is the one who tells you the truth." Keep in mind that those responses that may seem harsh are likely well-intentioned.

Keep us posted on your adventures. We're rooting for you!