GREAT question, asked at the wrong time. Really a great question. I, and many of my classmates have discussed this at length, with no clear answer. I doubt I would do anything different. That said, I MADE A LOT of mistakes along the way. Again, I doubt I would do anything different, because I seem to make lots of mistakes. If I knew what i was doing, I would have chosen (As if you could) the proper airline. That would make a real difference. But the airline I wound up with and was really devoted to was run through the ringer. I made something of myself, out side the airline business. If I had depended on the airline business, i would be in a very different position now. But i worked another job concurrently with flying, so I'm ok. My brother didn't. He tried to live the "airline pilot lifestyle" and so had to get another job after he retired. His age, being a few years older, also had him retiring under a bankruptcy contract. I retired during good times. So that was totally luck. He had good times at a good airline for many years, while i was struggling at a marginal airline. I didnt; have the exepectations of a great carreer that he had. So we did things very different . I now can look back and say, maybe it was a blessing that I worked for a marginal airline, instead of the dream job. It made me self sufficient, instead of relying on the airline. It's interesting, and a really great question. Wish I had a better answer. I was told many years ago, "Live like an airline pilot, and you will be in trouble all your life. Live like a minimum wage worker all your carreer and you'll be fine". Looking back, that was great advice. Goes for many occupations, but especially for airline workers. You don't make the sacrifices in life to be a career pilot without it being a calling. This could go on all night. But again a GREAT question that I wish I could answer.