Screw the cost.
If you love flying, you'll find a way to come up with the money. It took me 9 mos. to get my license (I was in no hurry) and spread the cost out across that time. It's amazing how your priorities change.
No simulator comes close to actually leaving the earth and heading for the sky. Yes, you might be able to practice some techinical skills with sims, but you'll always yearn for the real thing. (And if you want the best sim, my vote is for X-Plane.)
I highly encourage you to pursue this, if this is a dream of yours. You'll never regret it doing it. But one day many years from now you may find yourself on your back porch in your rocking chair looking up at the sky and thinking, "I wish I'd done that."
Go to
www.beapilot.com and get yerself a coupon for a cheap discovery flight.
Visit as many flight schools in your area as you can. Ask for an intro flight at each school. Your goal here is to find an instructor you think you'll like. Buy a local "Sectional chart," or better, ask if they have any expired ones that they'll give you for free. See all those maroon and blue circles? Those are all airports that you can fly to. I'll bet you didn't know that 80% of the airpports near you existed. And most of 'em probably have flight schools at the field.
Many (most?) flight schools look like... well, they're mostly dumps. Don't let that deter you. There's very little profit here, and flight schools fight to stay in business. Torn carpeting and ratty furniture is easy to overlook if the planes are well maintained. Ask the instructors and other students about their thoughts on the school, and how the planes are maintained.
Above all: Just get started! Walk into the nearest flight school and say, "I wanna learn to fly an airplane!" You'll probably be in the air in less than an hour with an instructor eager to introduce you to flying.
It's a great hobby.
-Noggin