well if you have 20,000hrs at 40 you have failed in this career...you will learn it's all about flying the least amount of time for the most pay...i have been flying widebodies at fdx for 13 years...when i got hired i had 4500 hrs...i turned 38 the other day and only have 9000 or so hours....averaging about 350hrs/yr...oh yeah, i had 2 degrees...life is good!!!!!!!!!!