I'm making a bit of an assumption, but the OP suggests he's going to do a speculative TR. I can't believe that even today, there are still idiots out there that consider this move.
It's ironic that people with access to too much money get into this industry because of the apparent glamour and lifestyle of the commercial pilot. The problem is, that very lifestyle has been destroyed by those very same people that are so desperate to get into it. When they do get the job they've dreamed of, they quickly realise that the perceived lifestyle they strive for, no longer exists.