I am a fellow wannabe and have asked asked the same questions you are asking. You need to ask yourself these questions. Think about what course of training would suit you best, as different people have different needs and limitations. Nobody can tell you where to train or how much to spend, you just need to do a bit of research, visit a few prospective FTOs and work out how you are going to make the payments. If you have 40000 euros you can always go modular and earn as you learn, that way you can save up a bit more money in case you need to go slightly over budget.