That pretty much sums it up. I am married, have two kids, renting a duplex, and soon will have to start repaying student loans. If you're looking to make money don't CFI. My understanding is that the only entry level jobs that pay reasonably well are the ones you get because you know a friend of a friend of a friend. The only reason I am able to scrape by right now is because my wife has a reasonable full time job.