I’m purely in it for the love of flying
Unfortunately the love of flying doesn't pay the bills or put a roof over your head, especially just after forking out for a CPL and FI rating. Most professional pilots will have been through a phase where buying a packet of crisps or a cup of coffee is a luxury that they can maybe do without. At your stage your belief is a common one but be aware that it may change. The FI jobs market isn't exactly short of pilots either. I considered it but decided that I probably wouldn't get a return on my investment.