Mate, do the next 10 or so years in your police job until you get your pension requirements met. Hopefully your entitlements will be not subject to future changes in legislation; by that, I mean if you have been told they will be avialable to you, they will be there no matter what.
In the meantime, take whatever spare money you can come up with, and use it to start getting licenses, ratings and so on.
By doing this, you are starting down the flying road whilst ensuring you have a decent superannuation for your family (not sure what other super schemes you may be contributing to, but a government guaranteed pension is pretty hard to beat), and you will find out how badly you really want to fly for a living.
Sounds like your wife is understanding, so the reality of giving up some spending money to further your flying aspirations shouldn't be too much of a heartache.
Good on you, and good luck.