I began my flight lessons while employed full-time as a teacher. I'd get up at 5 am, commute 60 miles in LA traffic, start my school day at 7 am, finish at 3:30 pm, drive back 60 miles to my home airport, and go flying. I'd get home, read the assignments my instructor gave me, usually fall asleep on the couch reading, then start all over the next day. Repeat four times until Friday came around. The weekends were a little easier. I'd commit a few hours each day but left some time for other activities as well.
It became more difficult after I earned my CFI. I keep working fulltime as a teacher but then also starting flight instructing part-time. I'd teach instrument ground school two nights per week, and the other three nights fly with my students. Weekends were completely packed with students. I kept this schedule up for seven months then finally gave up the teaching job (and the good salary).
It was hard work but it paid off for me. My first flight was in Spring of 1997. By December of 1998 I had my CFI. CFII and MEI by March 1999. Starting aggressively building multi time and experience and accumulated 400 hours of multi time over the next six months. By January 2000 I was in new hire class with American Eagle.
I didn't incur any debt at all for flight training because I worked as I flew. Lots of guys on this board write about spending $50,000 or more on programs like FlightSafety, Comair Academy, ATA and the like. My progress was a little slower than their's was, but I had time to digest the material, live at home and pay as I went.
How to cope? Know you won't have as much debt as the next guy when you are finished if you work and fly concurrently. Having no debt now will allow you to make a jump for an opportunity down the road. I could afford to work at American Eagle because I had saved some money working and didn't incur any loans for my flight training. If I had not had my teaching job, I would not have felt good about going to Eagle. Going to Eagle (and leaving Eagle) opened up a ton of opportunities for me.
How else to cope? Just remember that, if you are anything like me, you probably still look up in the sky when an airplane flies overhead. Do you look down at your place of employment when you are flying overhead and wish you were there working instead of flying?