There are a lot of guys with seniority horsepower and connections that are still managing to pull big totals. Of course, hindsight has made that game a little different. Being a commuter, my normal 120 a month has been unachievable. Luckily, I am budgeted for min guarantee, but we have had to put some discretionary spending on hold.

I am just trying to put myself in a 60 year old, senior guy's shoes. Come in and work a few turns a month, get a 15 percent retirement bump, and pay their ex wives alimony vs sit at home with no hobby and a FA wife who doesn't want to go to work, all for half pay or whatever they will get. I know what I would do.

Every time I go to the lounge in the morning (rare, but it happens), there are 10-12 non commuters sitting up there yapping about nonsense or brown nosing the chief pilots or watching Fox News and not getting paid to do so.
1. Everybody who knows me...please kill me if I ever get to that point.
2. Those guys live through this job. Take that away and a month later their photo is on the death door in Houston.

As for the stuffed 401k, for every guy or gal who played smart money and has their stuff in age appropriate funds, there is an idiot who didn't and now wants to bid open time while others are furloughed to "make up for the retirement hit". Yes, that conversation is actually taking place on the SWAPA forum.