Smokie
I just started PPL, and every pilot I have spoken to on my journey so far (usually the younger ones) tend to curl up into a little ball when I bluntly ask where they got the money from. It usually transpires that their parents gave them the money or the inherited it etc etc. However there are also some who have clearly worked their butts off for several years to take on the modular route. One chap drove lorries for several years on and off and paid for it that way.
You could always commit 100%, cash in your life and go for it. However, if chaps like AeroUK are to be believed, and I have no reason (so far) to doubt what he(she?) has said, that would be a big big risk.