By no means rich! I have been quilting for over 20 years so have a great stash that I have built up during that time. I rarely buy fabric if it’s not on sale. You can find beautiful quality fabric at Marshall’s Dry Goods for $7.99 a yard. I buy the 108” wide fabric for backings and have certainly used it in the top. I buy batting from Joann’s that’s 90” wide by the roll obviously using a coupon. Even the quilting doesn’t have to cost you an arm and a leg if you know where to have it done or right now straight line quilting seems to be the thing people are opting to do. Probably 90% of the quilts I make are bed size and it’s not that bad for me. I think it’s up to you what you choose to spend.