That thought process has been used for years. That plan many times is forced by bad timing. I flew w many 20 plus year FO’s that had no choice. Right now there are 2 year CAPT at AA! When I upgraded to MD11 in DFW years ago, there were only 54 FO slots at a base w 3000 pilots. There were only 4, 3 stripe FO’s out of that total, 1 was me. All the others were CA “bid backs”. The 777 came on board and my sweet 1 leg Tokyo, 1 leg home went away to a bid sheet that only had GRU, Sao Paulo, a giant [ Finebaum ] hole that has only gotten to be a larger [ Finebaum ] hole! Took me 12 years to get to that status.
I could not hold 777 FO so I upgraded to CA on F100 and I loved that little jet. Then 9/11 happens and AA was hiring right up to the day they furloughed thousands, some of which did not come back for 13 years. These periods are when the no college degree types really get slammed vs especially a pilot in Reserves/National Guard who has endless opportunities doing many things in military.
One thing I’m sure your daughter will not know is how much the money has changed for small jet CAPT. Envoy has Check Pilots making north of 4-500k in those positions. The upgrades are fast to CA but the flow to major airlines is slow and can stop any day. A furloughed CAPT has far more opportunities assuming there are some vs an FO. I flew CAPT over 20 years of my 34, to this day some of the complete penisheads I had to fly with as an FO made upgrading a no brainer. Timing is EVERYTHING in this career.
My daughter is a retired B52H USAFR pilot if you have not read previous posts about her.
I have mentored many in the past, these days the best path is a little different but in many ways the same, fly, fly, fly. PM me for more soecific.