Why can't he do 20 yeas as an ART, which would make him 50. Get hired by the airlines at 50, fly until he's 65? Not something I would want to do either, but it's out there. He wouldn't draw his retirement until later, but he would have a paying job to support himself. You can get pretty decent seniority in 15 years at an airline. Personally, I think he would be an idiot to not take the job if it is being offered to him. Who knows what is going to happen to the airline industry in the future.