I just finished my CPL 2 days ago (yay!) and did it part time over two years, paying as I went. I have a long term partner but we don't have kids and aren't saving to buy a house because we decided on this path instead. I'm quite close to your age also. Without her help it would of taken me much longer.
It can be done but it'll take a big commitment from both of you. You could do it over a longer period (like J3) which is a very good option I think in your position
Best advice is if you really wanna do it, do it! Don't sit back in 10 years wishing every time a plane goes over head. An instructor rating could keep you on the city, but don't get into that unless you really want to instruct, your just short changing the next crop of pilots coming through.