S5.

4th year FO.

Average monthly net = $2500

Low? Yes.

Why?

Max state & fed taxes deducted. Max 401(k) deduction (15% of gross). Medical insurance premium of $430/month for low deductible/no deductible legacy medical insurance. NEVER pick up open time, average 16 days off/month. Average monthly credit = 88-94 hrs.