I am in EXACTLY the same position as you. Same age too. However I did make the decision to do the CPL , which I'm a few hours away from completing and I'm just about to start my FI course. My reason for doing CPL is that, after I've instructed at PPL level for a certain number of hours I'll be able to teach for the CPL which is generally a higher pay rate and an FI with CPL is also advantageous for teaching at integrated places. The other reason is that I found the ATPL written so darn difficult that I want every privilege they allow!!
Despite what some may say, there is career progression in the FI world if you want if and plan for it.
Do the CPL is my advice. Order is up to you, I appear to be doing both concurrently for various weird reasons. I don't know how many hours you've got but If you do the FI course BEFORE CPL ensure you look at the pre requisites for doing it on a PPL. This is irrelevant if you do it after CPL.
Good luck!
Beet.