I understand your thought process pilotpip. I got the upgrade and just got downgraded, but I did not spend money like I had it. Unfortunately, due to helping family/college bills etc, i had to average about 95 hours/month credit to live decently on FO pay. Now i go back to FO, never having gotten a Captains paycheck but having 2 months of minimum FO pay through training, lines are built to no more than 85 hours now, and it's looked badly upon if I pick up open time to survive. I feel for those that will get furloughed and those that are already furloughed, but unfortunately the bill collectors don't care why my payment is not being made. And if I have to pick up open time to make my payments...then so be it. The company should have been more proactive and not hired too many pilots. I don't like helping the company, if i had the option of doing the bare minimum, then I would. But not all of us can afford to do that, even if we didnt go buy a new house and car.