£60K is not enough? For a modular route? Actually for £100,000 you can get the whole 0+ATPL+FI PLUS your own (used) Cessna 172 and still have money left. I do not know where people get their prices from but in Poland it cost £42,000 for 0 - ATPL + FI. As for the cost of living I imagined people who are short on cash do not need to live 2 years in luxury. In Poland renting a flat is less than £400 per month even in Warszawa. So using more than £1,000 per month in Poland means you eat at restaurant every day and drive a taxi everywhere if you live alone. The prices are definitely not like in UK or Norway etc.