You'll find 16K is possibly a little on the light side now for full time, professional instruction but geographics have a lot to do with it. PPL Instruction has always been a 'passion' career or for time builders - it's only when you get to the big stuff (ME, IRI) that the money becomes 'survivable' but being able to reach the entry requirements for those are a long way off for you. As has been stated, day job and instruct part time where/when you can to build hours and experience then airlines or buy a caravan!