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Yea, the whole point is nothing is free and you will spend your money just make sure it is on something you enjoy. Besides I don't know if I have 10 years left to recoup my initial outlay, that is OK...

I think the official formula for males is that you spend a third of your money on booze, another third on women and the rest you spend foolishly. The foolish bit must be the worthless junk. :shrug:
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Like anything else it can be as cheap or expensive as you want to make it. At the risk of being booed out of the room, I think folks are a little delusional if you think you are going to save a lot...