How do you fund those qualifications on an instructors wages?
The answer is that you don't, personally I worked a 7 day week driving a fork lift to get the money, as others have said instructing is not really something you can do full time and earn a realistic wage, I would have loved to have remained as a full time instructor but realised that was not a sensible career choice, the fact that you seem to have taken 25 years to get to that stage amazes me! I still instruct part time but do very little basic PPL instructing, concentrating on the more interesting areas such as Aerobatics, tailwheel and formation so not really threatening the general PPL instructors but still would not be earning a living wage if doing it full time!