Don't underestimate the power of money!
Read the post link Superpilot gave:
The Ugly - The Truth About the Profession
Roof over your head! I know of guys where the only way the managing to do the job is because wife/partner has a good income - now imagine your wife/husband/partner would like to have children!
Still do I regret spending £70 - £80 K, probably not, as I have avoided debt.
But if I think about that I could have used that as deposit on a house, I would think again today, knowing what I know.
Add the loss of income during training and when you start working compared to other work/business, and my cost is probably close to 3 times that amount. I elect to not think about it, same time if I decide to cut my bonds with aviation, I will probably miss some parts of it, but I will know I will have done it for something better.
Problem is, when you don't have the job, aviation is your life, when you inside, and you spend 80% of your month in aviation, your view will change, if you are a normal human being of course.
(£40K shows you still got a long way to go my friend)