Bumping up the DC and putting the DPSP CASH into income producing real estate will do that for you. It becomes a tax favored asset that doesn't expose you to Delta's financial risk like many of the proposed plans do. My money in my name, no promises of a future payment that may be at risk. If you are close to retirement a NQDC plan with a short term time horizon may be a risk worth taking, but anything that is longer than a few years is too risky for a majority of the pilots.