If you want to fly start now, don't wait for some far off day when you may have more disposable income.
Learning is expensive but post licence flying costs whatever you'd like it to. I have a 1/6th share in a microlight (an Ikarus C-42) which keeps costs down and I also cost share by taking other pilots flying with me and in return I fly with them so I can spend twice as much time in the air
Pilots who want to spend less have smaller shares in cheaper aircraft, those who want to spend more are sole or half owners.
Owning a share doesn't mean flying less, 3 of us in our group do more hours than most of the sole or half owners at our airfield but I don't think that's due to cost reasons, for some people owning an aircraft is more important than actually flying it.