Don't know you're situation but I think you desision is a sound one. You could as Cloud suggests, work full time and train part time so you don't have to take a huge hiatus from flying.
I went all the way through CFII/MEI working full time and flying whenever I could and now get paid to fly (that first flying pay check is great). There are plenty of P61 schools that can meet you're schedule needs.
Don't get sucked in by the big P141 schools and there so called direct link to the regionals. I know several Kids (I'm 41) who took the bait and are applying for regional jobs with over 100K in debt. Not saying it's not possible, just our local state school program that is tied in with a big 141 school is serving up to much Koolaide. I never financed a penny. My wife would have killed me.
With you're finacial skills, you'll go far.