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Realistically how much money to to go through all the time to get certified?
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If you gotta ask, you won't enjoy it.
Honestly after I started training I would write checks in $1000 increments and try to not keep track. It helped having a very supportive wife.
Mine all up was a little under 8K I think. A bare minimum of 40 flight hours at $135 an hour is $5400. 20 hours of instructing at $45 an hour is $900. Plus there are books, headsets, testing fees, etc. I did my own ground study so I only had to pay the testing fee for the knowledge portion. I think the check to the examiner was $300. You get the idea, plan $10,000.
But put it in context. If you are a so-so student and solo at 15 hours you have spent around $3000. However, you have done something less than 1% of the world as done.
Having said that, I think I started the flight to my examiner at 45ish hours while most people fly checkride at around 60 hours. Flight time alone would be $8100.
Keep in mind there are a lot of variables. In my case I have a very solid understanding of navigation, weather and aerodynamics when I started which helped greatly. It also helps if you can set aside a short block of time to accomplish the training, I spread mine out over about 3 years which meant relearning a bit.
Lastly, I think the instructor makes a huge difference. I had a few that would play on their phones most of the time. I guess if the instructor is playing on his phone on final that is just his way of signal his confidence in you.
However, I cannot really say he was much better of a pilot that I was. I started and ended with a guy that was a little bit of a hard ass but could out fly the hell out of me and made me a better pilot. As a result my checkride was a breeze compared to what some people experienced with the same examiner.