See my points 1, 2 and 3 above.
You will not earn enough a a newly qualified CPL to support a mortgage and a pension. If you have to risk everything are you prepared to lose everything - that is what is could mean.
I too am working towards a CPL but in the UK via the modular route. It is more expensive but, as the UK is where I want to work, it's here I'm going to train.
Thankfully I have a job which is always in demand and secondly, a small mortgage. My house is my safety and that will never be sold to finance flying. If that's the stage I get to, then that's the stage I'll have to quit.
Cheers
Whirls