New FO:
You say you're an FO of four years. May I ask your age please?
I'm 29 and just about to start the ATPL theory at BCFT. I've paid my way through Uni for 5 years + PPL (75hrs) + the theory mentioned above + CPL I can cover. I guess I might not have the funds for the ME+IR for about another 18-24 months, putting me at around 31-32 at fATP level. I know alot of professional pilots who keep saying I'm plenty young enough not to worry, but it's hard in such a climate not to be slightly cautious.