Good evening "TXGrunt"...

I hear you and we have preached for years to our children and grandchildren several things.
1 Get your education and flying through the military...
simple as that...and they are and have
2 Own an aircraft...don't rent if you can avoid it
3 If you must rent then:
Negotiate and Purchase Block Time Wet (with fuel)
Purchase ten (10) to twenty (20) hours at a time and
try to pay for that over time but before the purchase
hours are up...make sure you check on insurance
Insurance can be purchased through several ways.
Clubs and Organisations are the best bet
4 Check out any Government Incentives.
5 If you are in the military do you have a base flying club?
6 Join a flying club that owns it's own aircraft, sometimes
the club rates are much lower.
7 Keep positive and don't lose the Dream of Flight...

Not sure I was of any help but there are a few of my ideas...

Good luck...

Cheers...Happy Landings...Doug