I stumped up all the cash myself to fund my ambition, and to be honest I have never looked back. My passion for aviation allows me to thoroughly enjoy going to work, which is very important to me.
I think a lot of the time life is a gamble, its all about making the right decisions. The decision you are faced with is a tough one. The way I look at it, is it is an investment in your future, which is something positive. The way the market is at the moment, it is difficult to give sound advice. However, it has always been up and down.
It would seem that from the money you have inherited you wont have the pressure on you, of having an large outstanding debt, that will take many years to pay off, which again is something positive.
I know it is a tough decision, but if you have that passion for aviation its a wonderful way to spend your time, flying for a living
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All the best.