Paying for a job
Like the man said. Better that and build some hours in good equipment than sit home on Dad's money and a few hundred hours of jet time could give you an advantage over competition.
I know a lot of fellows that have gone that way. All are now flying for airlines in and around Europe. A few have said that without the jet time they would not have been hired.
Still using common sense is actually encouraged: Do not just throw a lump of money to a broker. Look at different types of aircraft, could be an airliner as well even a turbo prop.
Better still, rather than paying to fly, try to get a job and make money in the process.
I know that not everyone can just jump and just go and work anywhere.
But if you are in that position send your CV everywhere, start from the rock bottom and work them to better companies. Singles, multis, turbo props, jets...