Cadet pay is for nil experience candidates (monarch actually respects previous experience) ,
Monarch pay for type rating (paid for mine anyway)
Realistic Snr F/O take home is around 45-50k (everything included/Full time) ,
You can decide what you want to do in the airline now if you are in the core group of pilots , 75%,50% . 12/13ths ,full time etc....
most have found that 75% works out best just for lifestyle /pay .
Some live to work others work to live