STANDTO, if you go for it I wish you the best of luck but reading between the lines I suspect you will struggle in the end to get there.
I am 33, have wife and two kids, a mortgage and a well paid job, the whole caboodle. I've just completed the CPL (helicopters not planks) via the modular route and it's taken two and half years to get to this point. My family has missed me on many weekends and evenings during that time and I've spent a lot of cash to get to this point. I've now got to find another £25K or so to build another 100 hours and do an Instructors rating, as no one will take on a low hour helo pilot for commercial work (not in the UK anyway). Only once I'm an instructor will I get some return for my trials to date, and then the pay will be poor. All this in the HOPE that at some point I MAY get a crack at a commercial job. Should that opportunity arise it is very unlikely to be in the vicinity of where I currently live.
What I'm saying is this venture will cost you time, effort and family sacrifice in addition to money if you are to get to where you hope you will end up. In reality the competition is stiff if you are not prepared to risk your family's domestic bliss for a period of time, probably quite a long period, then you're really making the long hard haul almost impossible.
There are many more qualified pilots than there are jobs. Do not underestimate how many people are prepared to do ANYTHING to get those jobs. They will be able to undercut you very easily.
I'm not criticising your need to maintain a comfortable existence for your family, I just think you AND YOUR FAMILY need to go into this with your eyes wide open.
Best of luck with whatever way you decide to go.