Tower Dog,
When you state, <<My total income this year as a B-767 F/O for AA is $25,000.>> Are you sure this is true?!!
We in the U.K. are led to believe that you 'over there' recieve fantastic salaries that we can only dream about.
The majority of F/O's I fly with recieve far more than that in ££££'s.
Regards
Exeng