Reading this thread is a good reminder, that until things change, it is probably a good idea to hold off on starting a family until upgrade or getting that coveted job at a major. I don't have sympathy for those that know the wages/the cost of student loans, yet pop out babies anyway when they can't nessecarily handle/afford them financially. It sucks that you have to play it that way but it is what it is. It gets quite old hearing FOs complain about being on food stamps etc. I know the pay is criminal but people still come and work for these wages anyway. You can wish for change til your blue in the face but until people stop coming to work for the low wages you simply have to be financially responsible and hold off on that family until your budget shows you can afford it.