Get your PPL first. See if you like flying. Then start the ATPL theory training, spread the exams over some time. Then assess the state of the industry. If low hour pilots are getting hired by then (can be 3 -4 years from now) invest in the CPL/IR. Do all this while holding a (part time) job. Pay all out of your savings. Take your partner with you on a "hourbuilding holiday" in California or Western Australia to reward him/her for putting up with all the whining and aviation bull**** talk. Above all enjoy it.