I don’t think that 32k euros would cover everything but it will limit the exposure to debt and loan requirement. Depending on living expenses it should cover completion of PPL, initial Class 1 medical, ATPL written exams, hour building, CPL (including exam and licence issue fees) and possibly MEP but I do not believe that there will be enough in the pot to cover MEIR, MCC and optional JOC and TR. One big caveat is that the prices quoted by any training school assume 1st time passes in minimum hours, if you throw in extra hours, partial skills test pass(es) or skills test failure(s) then the bill will rise rapidly.