The discussion on pay has been had time and time again and if you’re taking command in the first 3 4 or even 5 years agreed it’s not good enough, especially compared with the likes of EZY/RYR, who management seem so keen to compare us in other ways to.
However...taking early command is a conscious decision, made with all of the facts. With flight and duty pay included it is about 100k. That will continue upwards on a (yes long) 34 point pay scale, combined with a considerable pension pot projected from that early command I’d say you might be doing something wrong if you can’t plan to retire by 60.