Pulling Y lists, an FO can get to 150k, but not on first year. 126hrs month credit is a captain's 72. Get Y lists that carry an overnight, 20 hours minimum of pay above guarantee every time. Out of BWI, it's easy to score two or three Y lists a month 40 to 60 hours over your 72 as long as you make yourself readily available. Varies month to month. January they didn't call me at all. February im at 3 and the month's not over. Some luck is involved. PS buy silver calls.