I don't know how you and the other "NO OT EVER" crowd incorrectly figures that those of us that don't mind working for a living, aren't "living within our means". As if you are a superior money manager or something. Its about being prepared for the future. Do you put anything in the secondary flight plan before take off just in case you need it? Of course you do, so do I. I also fund my retirement and my family can survive comfortably in case anything were to happen to me, or the airline. We are all just a buy-out away from being on the street. I'm ready, - just in case - are you? If all works out well for me and the airline, it means early retirement, and guess what that means... A lot more flying for others. Heck, they may even have to hire another pilot - maybe 8 years earlier than they would have. On balance, I'd say that means less overall flying for me, while you and the "fly your line/ drop as much as you can - its your responsibility" crowd are still out there working really hard to not work at all, all the way up to 65. Enjoy your "means", but my family is worth more than that.