G T Engineer is bang on. The OP is saying his dream is dead due to finances, but from what I can see, he's never done anything to make it a reality.
If your job doesn't pay enough to fund training, then get another job that does. That then becomes part of your master plan and contributes towards the end goal. Most people don't have the money to train sitting in the bank doing nothing - it's all about taking small steps towards making it happen.
What have you done over the past 4 years to make it happen? Once you are a bit older, have commitments and bills to pay, it gets harder. But getting your licence at any age takes commitment and sacrifice.
You still have time, but its not going to fall into your lap.