2 whites 2 reds,
You should not have to even think about whether to delay or not! It should be intuative! Are you employed? If so you need to keep your job and head above water! I was 20 hours in to my IR when I pulled the plug! The thought of zero job opportunities whilst shelling out loads of cash was all to much and knocked my motivation and thus I knew in my heart I was not performing as well as I could have.
Were eyebrows raised? Yes of course they were but mainly from those not shelling out the cash and taking the same risk!
As for the future, well Ive got until May 2010 to decide! Im in a good job now, no way am I throwing that away for a lottery! For me my flying future maybe just a hobby/ pocket money earner if I get an instructor rating.
Ive stopped at a point that is recoverable quite easily, as WWW says an aweful lot are in real trouble.
Best of luck to all in what you decide