It's not what I would call a cushy life. I have close friends in the Circuit Work. I have heard them describe some horror stories to me. Some have invested their personal resouces (cash) to serve in this capacity. Some come from wealth families, and some have worked at successful businesses before they entered this work. Some don't even put in any expenses forward with congregations that are having financial problems.
There are some CO's that are Jerks, and some really giving, kind nice fella's. I also admire their wives, at least I could say some of their wives.
When they leave that work, they really don't have much to retire on. In most of the congregations I have been in, we have put the CO family in basement appt's in KH's Not a pleasant place to live.