I made over 300k in w2 income in 2019 as a 320 FO. 2X the Fo rate is a lot more than the captain rate. If you can get rid of your straight time stuff and pick up premium pay and soft time, you can make way more as a lineholding Fo than a Captain that doesn't trade their trips at all. Obviously a Captain that's a sharp trader will make more than an Fo that's a sharp trader, but an Fo that's a wolf can outdo a Captain that's a sheep.