As a younger man, If I only did things that I could afford at the time it would have been a very boring life and I wouldn't have learned all the lessons that led to the wisdom that no young man wants to hear.Sometimes folks are in a hobby/lifestyle that their situation can't support at which point the following of sound advice is don't put your rig in places it isn't equipped for since that is far more expensive than equipping it correctly.
Good decisions come from experience, and experience comes from bad decisions. In my case- bad decisions led to good times which ended up in very costly experience.