You've still got to live though! If you're doing none of that stuff for even 5-10 years then just maybe you're wasting the best years of your life when you're 20!
It has been said before that if you don't come from a rich background or have parents willing to sacrifice the family home that you need to be reasonably successful in another career first to be able to afford to become a pilot. I think this is the reality for most folk.
There's an interesting article in this months Pilot about airlines failing to fund trainee pilots. Worth a read.