I’ve never scratched 4K. Typical after tax take home for an FO line holder not doing OT is around $2400. That includes everything, per diem and hold backs like health insurance. To hit 4K I’d need a ton of OT (like 15+ hours) which is not always available, or to misleadingly include a retention bonus payment.

Reserve is really bad because of the implications for per diem. I make a lot less on reserve.