Thanks for all your replies and advice, other's opinions always help.
I've finally gotten back in touch with my instructor again and am trying to be at my airport more, except he's barely ever down there, and it's pretty much like a ghost town.
I like your idea of writing down real vs imaginary costs. I'm getting tired of people telling me to write down the pros and cons, if you've noticed thats what is driving me crazy.
As far as slacking on my PPL, my job took literally all of my time, and what time it didn't take, I was too spent to fly. A combination of that, my instructor (after just finishing rebuilding/restoring his plane) sold his plane and and got a new one to work on so we fell off for a little bit, and the weather, god damn that weather. He would cancel a lot because of excessive x-winds because we only have 1 little runway and a rag-bag 172. Now that the weather is getting nicer and I can defiantly see activity starting to pick up.....I plan on finishing the PPL within HOPEFULLY the next month, based on the inst.'s sched.
To give my finance career one more chance to ease my mind, I applied to this company I've been hearing about a lot from friends and such. I will try to give it an honest chance and If I get an offer see what they would pay. If its a great salary, I might try that and be more diligent about flying on a regular basis to finish up Inst and comm.
I've also been looking at the schools, I've been reading a lot (or at least seeing the name) ari-ben so I decided to check them out. Seems their program might be a significantly better deal than what I've been finding. They offer (having a PPL already) an Inst-CFI,CFII,MEI and ME rating for 44,995. This is alot but, housing is included, maybe an extra 3k for books, writtens, and checkrides (ouch), and they do boast how none is in a simulator and how they're primarily a ME training place so pretty much all the time (except for the SE Comm/INST) is in a ME plane, logging 200 hrs ME. Unfortunately they wouldn't be able to start me until early June (possibly), which just makes me have to wait more.
I figure: If I get a job, I could hate it 5yrs from now and getting into flying might be harder (health and age). Or I could fly and if I somehow begin to get bored, or can't pay my bills on peanuts, I can fall back in a finance job much easier and fly on the side still.
--Update-- I went down to see my instructor and he made a few calls with me. He was all for the fast programs but when he heard the prices he re-thought that idea. He made a call to the FBO at Great Barrington, MA and we worked out some pricing of how much it might cost. I think what I am going to decide to do is get a part time job, preferably nights, that way I can drive down there about 3-5 times a week and get at least INST and COMM that way. Might take longer, but this way I won't have to incur massive amounts of debt, and be close to home. It's about an hour drive, but what I'd be spending on housing, I probably won't spend that much on gas.
- the wise old man in me says:
I'm open minded enough to know that people older than me have had the same, if not similar, experiences and went through the same things as me.
I'm stubborn enough to believe that my experiences are much different and that their advice just won't work.