Ok, the IPA put out a group of slides showing average line pay predicted for this new contract. A 12 year FO is at about 272. A 12 year plus CPT will be at 389. Average the career earnings and you're close to 300K/yr. 300x30=9 mil in career earnings.

Assuming living 10 years after 65 at 126/yr = 1.2 mil in A find payout.

Is it inconceivable that one could not amass a multi-mil Bfund + self funded 401 K over 30 years?

12 is low balling it in today's numbers even if you consider delta guys getting their 65 hour guarantee for a few years.