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How many 21 year olds have ATP's that are required to be an FO for a regional?  You can't even get an ATP until you are 23.  The average age for a regional FO is 33.  So what are you even talking about with this 21 year old thing? 

Even at $90 and hour, 75 hour guarantee that is $6750 a month.  There aren't many SPIFR jobs that pay that low, especially considering the schedule where you are home every day and get 14 days off a month.  I made that as an FO on S-76's in 2006.  

Going from rotor wing to fixed wing is an investment in a possible future of higher pay that may or may not work out.  You have to be willing to work for lower pay and a much worse lifestyle in the beginning.  You are doing a disservice to helicopter pilot looking to go fixed wing by only presenting the most optimistic outcome.  Nothing in aviation is for certain.  You may become a captain for Delta, or you may never get there.  I would be much more cautious.