A mere youngster! Only kidding.....I am 35 three kids etc......20 hrs into PPL.If flying is what you want go for it......I would rather sit in me rocking chair at 80 yrs saying I tried.....than I could have been.On the finance front I have taken out a loan to finish PPL and pay for ground school ATPLs,borrowed a little extra to pay off credit cards....saving in interest as paid for PPL......Be honest with the wife....A lot of hard work and a lot of money with NO guarantee of work at the end....good luck.