Hi there karrilon,
I'm ex mob (only 10 years for me though) and can appreciate where your coming from. I'm ex signals and so no flying for me, I have slowed my training down to a crawl and am instead investing in my business and my Isa's hoping for a recovery before i'm too old to live the dream. My advise would be to get your PPL and do some fun flying as and when you can, you could even do the GS. No one knows where the economy is heading but its best to be prudent with your money until the green shoots appear.
One things for certain, things will get better and the guy thats ready to walk straight on to his CPL and IR will be in a cracking position for the upturn boom.
Congrats on finishing your 22, braver man than I, and good luck.
Phil