wait - this was the original post -

"Oh wait, wait - they were downgraded. If you are stupid enough to run out and spend every dime of a captain paycheck right after an upgrade......... well, sorry you deserve whatever mess you got yourself into. It's called planning ahead and living below your means."

What I stated was living on your captains salary after being a capt for 3- 4 years is not irresponsible. Just as others have stated it was not irresponsible for an FO to live w/in his means after 3- 4 years. Never did I state anything about PO or JAs.