Albief 15 makes some good points. However, it's (dare I say) not all about money. Knowing every month you can be home for whatever it may be (anniversary, kids birthday/event, family event, holiday, you name it) & not have to go through "if I can get this line..., if I can arrange my training..., if I call in sick will I get in trouble".......It all comes down to priorities. Does money (& perhaps ego) lure you to chase the next higher paying seat mean more to you than reducing your stress level & knowing every month your chances are way better of being a father & be able to attend whatever is going on at home by staying senior in a lower paying seat than hoping all the holes in the Swiss cheese line up? It never has been for me. Stay senior in a lower paying seat (especially if you're a commuter), dramatically reduce your stress level, be present for family events, control your expenses.....you'll come out the other end way happier.....IMHO.