The other point to note is that I have included the payments given to crew members during the heist setup missions. I'm not quite sure why this happens but given that you will also receive money for any setups that you fail, that more than balances it out. Most public games you run into are all on normal difficulty in any case. There is a section at the end of this guide on how to work out the figures for yourself which you should follow if you are mixing and matching difficulties.
All heists are played on the same difficulty for the setup missions and the finale.
There are 2 main assumptions that this guide is based on at this time: