Yeah, I did that at 54 at RAH. I realized that I would probably starve before I made any decent money. So, I resigned before IOE. I could not even get the base assignment I put in for, seeing I was the oldest in my class, and had seniority over everyone else in the class. NONE of my classmates have yet to upgrade, and it's been 4 1/2 years. They're all stuck at fourth year (top tier) pay for FO's. My opinion, don't do it.