Are you an FO? Not saying our captain pay is anywhere near appropriate but if you are a captain and a one month hit kills you even using sick and vacation time and even with your husband losing his job, I suggest you seek financial counciling. Even if you have a litter of kids one month shouldn't kill you. You've certainly made some serious financial missteps in the past if that's the case. That also lessens the leverage we have as a group. How will you go on strike if you have nothing for an emergency?

FO and single with no kids- same as above.

FO with kids and the single income you have a case for sure.

Shiit happens and maybe your over extended I get it. Correct it now by selling some stuff and downsizing cars or toys or house. When we walk out I expect you to be there whether you can afford it or not.

For the record I firmly believe you should have an escalade, a boat, and a big ass house. That's the type of compensation a professionally airline pilot should be earning. That's when we get the contract we deserve, not before.