I think you have suffered from two furloughs in your career already? I've been in the 121 world for almost 20 years and never suffered from a furlough or downgrade. I logically assume you've still made more income as a mainline pilot compared to a regional pilot like myself. Mainline senior pilots had plenty of years on their side to save up for the eventual downturn. No regional pilot wants to hear you and other senior pilots complain about money or retirement. If pilots did not manage their finances properly over the past decade or longer, that's too bad.