As a >12 <14 yr guy i'm not upset about earning an extra $350/mo, $4,200/yr. Add that to O5 promo next year and the bonus and I'll be right about $150k/yr. It's not airline bucks but it's definitely enough to have plenty of extracurricular activities and keep the family comfortable. And with the 11F shortage making O5 and flying an entire career is now a thing. Get rid of meaningless 365s/179s and staying to 20 looks pretty good from my vantage point. YMMV.