Hard work at times but alright as a job. Family on FO pay long term is hard if your partner doesn't work as well. As a Captain you can do alright for yourself here even as a single earner with a family, but you must get the command relatively soon. If you are single it is very easy to save a substantial amount of money every month just by living like a normal human being.
If you join now with good experience and put in the work you are looking at a crack at command very quickly. Graft will be required to get through this course, but it is doable. Don't pay too much attention to 'pass rates' as they have the unfortunate tendency to be all over the place. (Easier said than done) Good luck!