Junior FOs should ALWAYS have their financial houses in order, because they are the first ones to get hurt in a recession. That’s the downside of the seniority system. If the lifeboat gets overloaded, they get tossed overboard first. It has happened often enough in the past and anyone who thinks it can’t happen again in the future is an idiot, although in fact AA hasn’t ACTUALLY been in bankruptcy since Dec 2013 - almost eight whole years ago.