I could easily obtain the CFI quickly. The kicker is lack of students and too many instructors. The school has changed hands a'lot since back when I was working on my private. I even remember then it was hard for a CFI to get enough hours to suffice. For a minute I considered getting a 150/152. I want to pursue the CFI and I'm 100% positive I will get it in the near future. As for the 90k, I don't want to give that up until I'm finished with school and have something lined up like a CFI job. I'm fortunate enough I could make it off my wife's salary but its risky in itself and I don't want to take that chance.