Fly frequently, not cheaply
A $145/hr aircraft flown twice a week beats a $125/hr aircraft flown twice a month. Skill decay is the single largest hidden cost in flight training.
Module 03
Aircraft rental rates vary by maybe 15%. A good instructor versus a mediocre one varies your total cost by 30% or more, because bad instruction is paid for in repeated hours.
A $145/hr aircraft flown twice a week beats a $125/hr aircraft flown twice a month. Skill decay is the single largest hidden cost in flight training.
Your simulator background is a real asset if you use it deliberately: run the full flow, the radio calls and the approach at home before you pay for the Hobbs meter to run.
141 suits full-time students and structured financing. 61 is more flexible and often cheaper for people working a job. Neither is better for hiring.
Block-time discounts are common; prepaid 'guaranteed price' academy packages have burned thousands of students when schools closed. Never prepay more than you could afford to lose.
Split safety-pilot time under the hood, join a flying club, look for partnership aircraft. Club rates run 20–40% below FBO rental.
Complete the PPL before committing to any large loan. Many people discover after 20 hours that they want a different relationship with flying.