Whilst I hear what you say MLS, I still think that sometimes you have to just do what your heart dictates.
If I'd waited until I could afford it, I'd never have married, never had kids, and certainly never have learnt to fly. I would perhaps lead a far more financially prosperous life, have a nice house and flashy car, but I'd be heading for my grave a far more lonely and unfulfilled human being for the privilege
SS