FO - single - enough time and money to have a good time OR to save decently for retirement, but not enough money to do both.
FO - married, no kids - wife working certainly helps to have extra income for saving and a decent lifestyle.
FO - family man - no money for saving or having a good time, just struggling along paying ridiculous school fees and surviving in your cramped apartment or tiny villa. Staff travel to get home sucks horribly, and base slots are nowhere to be seen.
A330 and B747 = crap rosters, but lots of landings.
B777 = good rosters, but you won't get comfortable as PF for a long time.