Once you get into aviation you will be locked onto the fixed career progression, so you will not have much opportunity to make "on demand" money...you will have to take whatever they offer a pilot at your station in life.

Make money while you can...you will have the rest of your working life to not make money in aviation.

How much do you need? Somewhat depends on lifestyle and family...

Call it $55K for flight training including instructor ratings, including buying 100+ hours of ME time in case you can't get a ME job.

For living expenses, for the first year figure essentially no income between training and getting established as a CFI. So whatever you need...$30K bachelor, $70K family.

For year 2-4, assume $20-40K income as a CFI, so whatever you need to make up the difference.

First year regional, $20K income.

Year 2-5 $30K - $40K income depending on airline and equipment.