Honestly, you're more likely to spend $10-12k for a PPL if you're also working full time, and have a kid. You can assume that you'll cancel a good 1/3 of your flights for weather/illness, etc. The more time you spend between flights, the more flight hours you'll need to gain the skills necessary...although the extra flight time does count towards your CPL.

Unless you go into the service, the last estimate I saw was $80,000-$100,000 to get to the point that you can work as a CFI and start making a little money. Not much, but a little.

I don't want to crush your dreams, but it's important to understand what you're getting into before you invest a lot of money in this career. There's not much money in aviation for a pretty long time. You have to really love it for it to be worth it, otherwise it's just not a good investment.