Try buying a plane. I have 28 hours with all my solo and cross country in the books. All I need is hours.
However I bought a 182RG, and am going to need high performance and complex endorsements in it, so being the cheep ass that I am, I have chosen to do my check ride in the 182, and get my endorsements before hand.
The ultimate goal, is for my wife and I to go places. I don't care if I get my PPL at 40. So for me, PPL at 40, and then 12 hours to get the endorsements (so 52 hours) is worse then PPL + endorsements at 45 hours.
This means the rest of my time for my PPL needs to be with an instructor, in my plane.
Took a while to get the plane bought and insured, and now it's been a pain to get my instructor free when I can fly.
My last flight, was November 17th.