I have two kids in college. But I can afford a pin now and then(not NIB). I mostly buy beaters(love early SS Ballys and Williams) and then restore them best I can. Play for awhile and then sell. Usually at a profit(if you don't count the 1$per hour labor that I put into them). Have a friend that makes below 30K a year and he still has a nice collection. He is great with EM's and I will sometimes outsource the mechanical work to him and let him keep the machine for awhile to play. When it sells I split the profit with him. Works out well.