Ahh ok, so you are seriously ready for a change. I would still look at something besides flying. You are too late to have a reasonable shot at the majors. In the attempt you are risking everything. Chances are high you will get stuck at a regional and quit in 5 years. I have had rough spots in engineering as well. My last crisis, half the company was laid off. I seriously thought about bailing out for a CPA. That idea was to hang out a shingle in some small town and work half a day, fly the other half. If I did not happen to have an excellent engineering job now that is what is probably what I would be doing, but regional airlines? That's a young man's game at best.