$200,000

After I hit 100k in May of 2024, it has been very motivating to see the line go up and to the right so quickly. The current bull market has helped a lot

I've been working full time for just over 5 years. While working nights for 3 of those years. I've also spent ~$85,000 on pilot certifications. I'll be going for my flight instructor certificate soon.

All of my investments are in SP500/VOO. I'm comfortable with this at the moment. I'll eventually start adding bonds or diversifying into VTI as I get closer to retiring. I maxed out my 401k for the first time this year and will start doing mega-backdoor Roth conversions. I'm happy my plan allows it!

Breakdown:
401(k): $105,468.76
Roth IRA: $37,781.30
HSA: $8,532.24
Brokerage: $5247.81
HYSA: $28,196.16
Checking: $7,305.49
Car: $7,736 (Bottom dollar on KBB)

Total: $200,267.76

Annual Salary History:

2020: $10,000 started first full time job
2021: $33,000
2022: $32,000
2023: $85,000 (new job)
2024: $122,000
2025: estimated ~$105,000

My expenses are less than $1,000/month living with relatives, paying my share of everything. This would not change monthly outflow significantly If I did live on my own.

As for questions:
I am able to sock away $5,000/month. This puts me on track to hit 1M by late 2033. I am weighing the costs/benefits of quitting my job and being a full-time flight instructor to gain hours towards ATP(airline) hiring minimums.

Costs: Time and opportunity to invest 60k/year at a young age where it can grow.

Opportunity: Seniority gain from being at airline sooner. Potentially some protection from furlough in economic downturns.

Acknowledgements:
Nothing is guaranteed. I could quit my current job and be out of work as a flight instructor for more than a year.
I could miss a hiring wave if I stay at my current job.

Either way, I like to think of it as time in vs timing the market. I'm in a very good spot for my age(23). And no matter what choice I make, both are good options.

Any advice from anyone who made similar choices on a career change? How has it gone for you?