All this is irrelevant to be honest.
The bottom line is this, if most of us want to fly then we have to self fund it, and the best way of doing this is by way of re-mortgaging etc, its the cheapest loan possible, and another thing is, I dont think it's the training etc that breaks up marraiges, if your relationship is solid in the first place then going through the stresses of training won't be enough to push you over the edge, however I'm sure if your relationship is not strong and you haven't got the backing of your loved ones then it's just a recipe for disaster, I just can't see how learning to fly can be a direct cause for marraiges to break down (obviously there are exceptions to every rule).
We have a 9 month old daughter, my wife is due to give birth again in Aug, just when my first lot of exams are due, is it going to be tough? sure it is, but my wife knows that what I'm doing is something I've longed for since I was 5 yrs old, and she is not going to stand in my way and fully understands.
Another thing to remember is that we are only on the planet once, life is about risks, life is about going out to achieve your life's goals & ambitions, mine is to fly planes, so I'm going to grab that opportunity with both hands & feet, Im 32 this month, are the risk higher for me? hell yeah, is it going to stop me in my tracks? hell no.
Get off the sofa, get your backside in gear and go get it.
I'm not sure if your a pilot of any sort but if it's not in your blood how could you possibly understand
Dean