Can you explain the “boat load” more at United for me ? If he has 20 years left by the time he is in the left seat and maxed out at Frontier on the 320 is 270/hr. Anything over 82 hours is 125% plus 15% DC. 17 at United. So a 95 hour credit line for a maxed out United 320 Capt and a maxed out frontier 320 captain would be close. Roughly 26.8 vs 24.3 / month plus a 2% DC difference. Not marginalizing that, but not a “boat load “.

I am not saying you’re wrong but you are assuming his WB command at United into the equation here I am guessing but before he gets there that would be years of ca pay at F9 he would be missing out on. Again, not saying your wrong. Interested in your numbers that’s all.

You'll retire at both with a lot of money. Do what’s best for you and your family and where you want to be during the next outbreak.
United is a fantastic airline.