Most guys I know aren't worried about the last payment. Most will probably move on to other things by year 3. For most that last payment doesn't matter because maybe 90% of the guys I know have no plans to be around by then. The main thing that most new hires wanted was the latest pay increase. That was immediate and it was a lot of help. After the raise to 36 everyone was sitting nice especially if you add the 300 percent on top for opentime flying. Not uncommon for First Officers to bring home over 5k a month. Especially if they fly out of DFW and pick up trips out of the pot.