Huh?!
Please clarify. There are many, many career paths that allow a person to "claw his way up to anything that pays reasonably well." I must be missing your meaning.
Happy to. In my situation, for example I am the sole income for my family - wife and two kids aged 12 and 8. My income is more than sufficient to live comfortably on Cape Cod because I'm blessed with a rent payment that is somewhere between a third and half of what most have to pay around here for rent or mortgage. When I finally decide to pull the plug on my military career, my pay will immediately drop to about 40% of what I'm taking home now. This is not nearly enough for me and my family to live on in our current situation...even if we reduced down to rice and beans (seriously). By my math, when I retire from the Coast Guard I need to make the equivalent of $45/hr. at a 40 hour week to break even. I can reduce that to about $26/hr. if we make drastic, significant changes in what we do. As in, pull the kids out of every extra-curricular, stop all savings and investments, cut bills to the bare minimum, and eat rice and beans about half the week. Now, I say all that to say this...
Option 1 for a low-time PPL like myself is to work the local airport gig giving lessons and sight-seeing tours for about $20/flight hour. Or,
Option 2 put myself over $100k in debt, make no income and sell my soul to one of these fast-track programs and cross my fingers that I get a regional airline job that pays roughly the difference I'll lose in retirement and not see my family for the next 3 years as I build time to make a reasonable wage.
I currently have about 120 hours and only a PPL. I have to pay for every hour I spend in a plane, more if I'm getting a lesson. I pulled over $30k out of my retirement fund to help pay my way up to Commercial so that I might be able to make some money. But in my situation, professional flying seems out of reach. A year ago, I was much more hopeful but the realism hit me a few weeks ago. If I had the money like Trent (flywithtrent on youtube) it'd be easy. But I don't.
From my perspective (and maybe I'm wrong...I truly hope I am) that unless you decide you want to be a professional pilot starting at 17 years old, you're SOL unless you've started and sold a dozen companies like our man Trent. Even with all my savings and investments, I simply can't stop earning a paycheck for the time it would take to become a viable candidate for a professional hire. And based on the responses I got on a different thread here a few months ago, being a career CFI isn't the answer either (as much as I'd be very happy to do that).
I'm certainly open to any other perspective.