Here's a fun math exercise for everyone.
Current 73N A is ~ $285
Assume a 39 year old Pilot with 26 years to go.
5% compounded year over year will have you retire at $1,013 / hr
4% compounded year over year will have you retire at $790 / hr
3% compounded year over year will have you retire at $614 / hr
Every percentage gain we can get now will pay enormously in your future years.
Do Not Settle