Thanks for usefull posts. Infact the situation is that I'm about to start my training in Oct'08 and I already have the cash in hand, it's all savings and I do not have to take bank loan or etc. And the problem regarding Modular is that I live in a country where there is no oppurtunity for flight training, so I have to go out for every phase and then travel costs and other odds & ends and also I won't be able to keep myself current. And I think once I complete my flight training even if I don't find the job (although it will be painful) I can find a similar job as my present one. And at present if I don't support my family it won't impact that much. So really confused, But despite all this I still want to go for it because it's life long passion. But just want to be cautious not to regret bad planning.