I have budgeted and penny pinched throughout my life, and now I am at the more comfortable level of being able to "gently" indulge in my hobby. I have some stash, not nearly as much as others but enough. I have slowed down on buying books etc as I realize how much I can find for free on the internet thanks to everyone here. As I have slowly amassed most of the tools I will ever need, I spend very little on them now. Life has taught me that it's meant to be enjoyed in the now as we know not how long we may have.