Where do you new guys get the money up-front from? Is it Daddy's, have you made a killing on the stock market trading futures before your 21st birthday, or have you convinced a bank to give it to you on the 'never never'? That's probably why we have the GFC.. (Its not MY debt).
Had done a year instructing on singles, and another 3 or 4 general charter (with a little time out doing something else) before the company allowed me to hire their Baron at a reduced rate for my first twin. Then it was another 3 years before the opportunity for a MECIR was available.. Know things change, and we all want to get ahead quickly, but really.. Hope you have been a quick learner and you have had some exposure to 'what can go wrong' before my relatives travel in an aircraft with you..