And if you're going to start at F/O Air NZ Link level, you might as well mention the 3 - 5 years flying parachutes or scenic tours around White Island or Whale watching or delivering people to and from Great Barrier Island that will be required before you get the turbo prop f/O job.
Year 1- Borrow $100k and get a commercial licence and MEiR
Year 2- drop parachutes and earn about $20k total, ( spend 10k on rent and 8k on beer, 2 k left for food)
Year3- scenic tours for $15k
Year4- charter work with some multi IF for 32k
Year 5- hit the big time as a B1900 f/o for AirNZ Link on about 42k
Year8- command on the B1900 on about $60k
Year 10- Air NZ 2nd Officer on about $110k
Year 16- Air NZ first officer on 777 ....yay.....you're now mid thirties and all your mates who did normal degrees are worth about half a million more than you