Path A: Start Now
Path B: Save First
Path C: Don’t Act
Timebuilding
◆ Regional FO ▲ Regional Captain ● Legacy FO ■ Legacy Captain
Pre-tax · today’s dollars · 3% inflation · 6% investment return · ends age 65 (Part 121 mandatory retirement). Path C = current job with annual raise.
Path A: Start Now
Loan amount
:
Flying commercially by
:
Monthly payment
:
Total interest paid
:
121 flying years before 65
:
Net advantage at 65
:
Path B: Save First
Saving period
:
Flying commercially by
:
Training cost
:
Break-even
:
121 flying years before 65
:
Net advantage at 65
:
Path A — at 121 retirement
:
Path B — at 121 retirement
:
Career progression — 2026 US estimates
Regional FO ◆
yrs 0–3
:
Regional Captain ▲
yrs 3–5
:
Legacy FO ●
yrs 5–7
:
Legacy Captain ■
yr 7+
:
Ready to turn these numbers into a real flight plan?
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