Yeh, I see where you're at.
I waited for my first 1000 hours (VFR Chtr up north) until I invested further.
The point you're at I think is branching your dollars off into an Instructor Rating, Multi Command Instrument Rating, Ag Rating or Floatplanes. There are many options but all depends on where you feel you want to go.
I went the IFR rating but would have been better with a sex change out the back of St Kilda really!