Not that you will be an F/O until year 4 but I broke $100K without trying too hard. The work rules are better than the pay. I get pay protected for transition conflicts and double dip by picking up premium pay. If you get a 200% JRM on transition it amounts to triple time. Lots of premium pay opportunities if you are flexible and living in base helps a lot. Never less than 100 hours credit as an F/O even when I was on reserve. Don't let the pay rates fool you. I have 82 hours block and 174 hours credit last month.