2025 Class Drops
12-05-2025 | 02:44 AM
#1062
Config 3
Joined: Oct 2014
Posts: 1,270
Likes: 184
An average dated house in FloMo is 450k+. Decent houses are 550+. I budget for min guarantee. At 3 year FO pay, no long term debt other than a mortgage from 2018 with a 3% rate, and no kids, we are breakeven, and have no outrageous spending habits. I max out my 401k and IRA and purchase the APA insurance products. Car and home insurance went up 50% and 30% respectively, and property tax rates have gone through the roof. Houses today in the same area are 50% more than what I paid and interest rates are more than double.
I imax and make significantly more than guarantee, but it isn’t prudent to budget for more, especially as a reserve.
I imax and make significantly more than guarantee, but it isn’t prudent to budget for more, especially as a reserve.
I’d say that LAX, LGA, and MIA are far more expensive AA domiciles than DFW.
12-05-2025 | 03:03 AM
#1063
On Reserve
Joined: Apr 2017
Posts: 188
Likes: 50
12-05-2025 | 06:53 AM
#1065
Gets Weekends Off
Joined: Dec 2011
Posts: 2,028
Likes: 246
From: A320 FO
An average dated house in FloMo is 450k+. Decent houses are 550+. I budget for min guarantee. At 3 year FO pay, no long term debt other than a mortgage from 2018 with a 3% rate, and no kids, we are breakeven, and have no outrageous spending habits. I max out my 401k and IRA and purchase the APA insurance products. Car and home insurance went up 50% and 30% respectively, and property tax rates have gone through the roof. Houses today in the same area are 50% more than what I paid and interest rates are more than double.
I imax and make significantly more than guarantee, but it isn’t prudent to budget for more, especially as a reserve.
I imax and make significantly more than guarantee, but it isn’t prudent to budget for more, especially as a reserve.
Historically I've done far better than that even as a reserve. Now I'm a solid lineholder and robust hiring is keeping things moving. Would I commit to ratcheting my mandatory spending closer to my actual income? Absolutely not.
What is affordable on 3rd year FO pay vs what is prudent are very far apart. Good times in this industry never last.
12-05-2025 | 08:23 AM
#1067
On Reserve
Joined: Jul 2025
Posts: 44
Likes: 18
From: In the gym
I'm about the same. I budget for the worst case (reserve guarantee) and it's breakeven. (Which really makes one wonder how people who make less than half what we do get by)
Historically I've done far better than that even as a reserve. Now I'm a solid lineholder and robust hiring is keeping things moving. Would I commit to ratcheting my mandatory spending closer to my actual income? Absolutely not.
What is affordable on 3rd year FO pay vs what is prudent are very far apart. Good times in this industry never last.
Historically I've done far better than that even as a reserve. Now I'm a solid lineholder and robust hiring is keeping things moving. Would I commit to ratcheting my mandatory spending closer to my actual income? Absolutely not.
What is affordable on 3rd year FO pay vs what is prudent are very far apart. Good times in this industry never last.
Not including first year pay, nobody will ever be able to convince me that it's okay to have a lifestyle that cannot be afforded on min guarantee.
I would even add a 10% buffer in the event of BK and pay cuts. No company in the US is above this.
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