I'm sure that the top ones have some great post-skating possibilities, including endorsements. But the others, as Icey and FlattFan point out, lived humble lives as skaters (spending a lot of money on their sport along the way) and will live humble lives as ex-skaters. What will make the difference for them is not any fame they accrued as skaters (because often no one outside skating will know their name) but education. This is true of all athletes, not just skaters. After all, biathletes and bobsledders are even less well known than skaters, generally have fewer endorsements, and don't have any professional shows. It's education that will lift them out of waitressing and other paid-by-the-hour jobs.