I myself am 37 and building up hour for my CPL while working during the week.
I always ask this question before i do anything. What if some one came up to you and said "you will be dead within the next 1-10years"
How many things in life have you missed out on because you made decisions based on money.
I, like JohnnyK have not a cent to my name make that a negative amount, however my wife is learnig to fly commercially as well and will be off to Africa to fly there for the next 2-5 years with probably a kid in tow as well sharing in the dream.
Go follow your dreams because when it is all said and done you shouldnt go to the grave with no regrets!!