You've gotta add the total amount you make now and multiply by 5years (35x5) $175k vs. Rj pay years 1 thru 5 added up. My w2s (roughly 16,36, 46, 90, 76) $264k. As you get further along the difference is more drastic. Btw, its the same cost benefit calculations for moving rj capt to major FO. Also, you didn't provide your current QOL but if you get on a decent regional, you'll have a pretty good life off reserve. My .02cents.