Are you for real?
If those are your reasons you won't get any where near.
To even get through a PPL you have to want to fly so bad it hurts.
Where do you get the idea of money etc?
Have you spoken to any unemployed pilots recently, because they are easy to find.
I think you have to look at two issues here:-
1). Flying
2). Family
If you have a significant other half, they will probably have to work whilst you are instructing just to make ends meet. Next you then have to factor in child care costs etc.
Perhaps you need to do either or or take the third option and find a wealthy partner.
I have a friend who spent his entire working life as a long haul pilot and missed the birth of every one of their 3 children and the graduations of 2 of the 3.
They at least had a large income as he was very senior, and after the RAF went straight through with one airline.
Remember anything can be achieved but only for the right reasons.