I started my training when i was 32 after getting all the money together. Was a good plan at the time as there was plenty jobs. Then in 2008 half way through my training it all went wrong in the aviation industry and there was no jobs. When there was recruiting on again it looked like they were all taking on early 20 guys and after all the hard work, money and time i never landed any job and still tried to keep my licence current.
So use the money and get a PPL and enjoy some leisurely flying. You are earning more money then most of the guys who have gained employment in the last 2 year.