So if it were me (and once upon a time it was) I would do CPL - FI - work for another year - 18 months and then think about the IR. If you then find yourself instructing at a school which offers the IR you may then get a discount, or be able to fit the training around your instructing.
Around 98% of the FI's that I know who did that now do not have an IR because they left it so late they were either not a position to start or just ran out of time before the exams.
The FI in the current market is little use to you. The IR will improve your skills and then you can do the FI at your leisure.....