You're 29 and still flying GA.
When I'm your age, I'll be a TRI/TRE.
Pay the money and get on with it or turn 40 and have no hope. That's all I'm saying...
Maybe you will be a TRI/TRE... no doubt having willingly paid for all your command then Trainer courses etc.
Hopefully by 40 you might have an expectation that you start to get paid a salary
The rest of us want(ed) a career, not an expensive hobby