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I went to a recent Delta wing ceremony and there was a 24 year old kid there as part of the new FO class. Got licensed at age 16, flew his butt off, SkyWest, then Delta. Kid can't legally rent a car until next year yet legally flies a multi-million dollar jet with possibly you or your families on board now. If he barely invests on his own accord (I think Delta dumps 18% of your salary into your 401K), with the crazy money he'll make he could easily retire by age 40; worst case would be 45. Or keep flying for another 10 years and be a millionaire. Just by that job alone. No need to take OT flights (which in his case pay thousands more than per hour/flight/day thanEMS or other helicopter incentive pay). No need for wife to work. No need for side-hustle. It may not be for you, but the airlines are a GREAT opportunity and these next 5-10 years are your chance to join the ranks. Research it carefully as it's not all rainbows and gumdrops the first few years, but can be life-changing and STILL very rewarding. Also, pretty sure EMS will take you back if you get bored on that side or you don't make it. What's there to lose?