[PatrickCPS]

If you have the option to at least keep some income flowing, I would advocate doing that. It will lengthen your training somewhat, but will certainly save you money in the end as well as preserving your sanity.

What is a viable option, and we have had a few students do this, is to do your PPL and IFR tickets on the side while you work, try to get as much time in as you can toward your total time, and then go off somewhere for your Multi and Commercial tickets. You'll find it is very difficult to get multi time at an FBO, let alone go through a quality multi program. I would advocate going somewhere that specifically runs a quality multi program (i.e. trains to proficiency, not just gives you a piece of paper).

If you show up at a place like Career Pilot School with your PPL and IFR tickets and say, 200 hours, we can get you finished with your Single and Multi Commercial tickets in 2-3 weeks, then if you want your CFIs, stick around for 3 more weeks and have your CFI, CFII, and MEI done as well.