My advise : Keep your full time job, self study...and go for modular.
finish your PPL in Irlend, then go to the US for the CPL/ME, and come back to Irland for the IR...at last you'll have to do only the MCC...I don't think you should go beyon 40K with the above, unless your wife is
...
a type rating is always good to increase your chances for a job, also flight instruction....
Hope that helps