I think I know at least one of the bottom handful junior FOs... One of them retired mil with no kids if I recall correctly, the other one was a mil reservist last time we talked, not sure status of kids. In either case, they'll be fairly comfortable and have 5 years to decide if they want a 3rd income or not. Good place to be, great payoff for a few decades of career focus.

Edit: Looking further, there are several fairly junior FOs I know in that same situation, either retired mil or still working reservist. Nice reposition.