Lol right... I forget who it was that reminded me in 2019 (when I was complaining on this board about 1st year pay/training pay etc. ) that "if you can't live off $58 an hour for a year you're doing it wrong... " I mean, how could I even respond to that level of wisdom?

Captains on captain pay could be supporting aging parents, alimony, child support, college for kids... I mean that chunk of change every month wouldn't go that far depending on your situation.