Am in similair position to flypuppy. Decided to stop after GFT having passed ground exams and will pick up on the IR later. Am considering the instructer route for ad hoc part time work.
Have the additional disadantages of mortgage(large), school fees and wife who has not worked for nine months who used to earn more than me when working full time.
But bit by bit I will get there (though dont know where)
Like flying too much to stop