I'm in a similar position, 34 yrs old, looking to be fully trained in 3-4 yrs. My plan is to do the slow time modular route, utilising bulk flying opportunities in the states, with some uk flying to stay current. This, along with the ATPL exams, will leave you fairly close to completion, without spending the really serious dosh and doesn't have to be full time. I'm thinking £10k will get me to 120 hrs (incl ppl night/imc and maybe ME) and exams complete, with just £15k (a new ford focus) or so left to spend IF the job market is looking rosey. If not, then keep plugging away at my current job, but with some valuable qualifications behind me.