As I've mentioned in other threads; I think an easier way for someone on a budget is to gain your PPL, start the ATPL Groundschool distance learning and slowly hour build. At this point you won't have invested a massive amount of money and you can do this over a few years whilst working. As a holder of PPL, ATPL Theory and 150 hours you're in a better position to approach a bank fo a loan should you you need one, and only 2-4 months away from having the CPL/IR/MCC so can judge your timing much better in relation to the market.
It has nothing to do with being rich, it's about being determined.