Why not spend the next couple of years building those 100 hours, at the same time doing your ATPLs by distance learning.
That way you keep the income from your job, your outlay is as minimal as it can be in this game. You can spend the next 6 months or so doing the first set of ATPLs (as most people tend to do them in 2 -3 sets) and you then have another 18 months to finish off the rest of the ATPLs.
By that time you may have the hours to do the CPL /IR but if not the ATPL exams are valid for 3 years from the end of the month in which you sat the last exam.
So you now have a potential 5 year plan, by which time the market will either have improved or we'll all be on bikes in any case, and 36 is definitely not too old.
HTH and good luck
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