The best advice so far is from Arm out the window.
When you're younger and single, life seems a breeze...but we all get old and life becomes a little harder. A pension for the rest of your life is a good thing and a family to enjoy it with...
Fly for fun ie have some security behind you before venturing out in the harsh reality world of Rotary Wing. And before I get shot down by some, I am a commercial pilot, enjoys it, but wished I hadn't made so many sacrifices to get there, ie financial, marriage, living overseas most of the time etc.