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speaking of Delta, look who Leo Mullin is and then ponder where your airlines retirement scheme can go in a very short amount of time.  You have no idea where your retirement will be in 20 or 30 years. Not that any Pilot job is much better. FedEx/Flying Tigers, USAir, TWA are all good example of what can happen.  

"For the sake of the company, please accept that we are dropping the 401k match to 4%.  We have to, please forgive us".  Same song and dance played like a broken record.

Anyway.  If you want a secure your retirement, after 30 years of ups and downs in this business, probably a government job is your best bet.