+1
In addition you can work very hard (or more for the purpose of making money) in order to afford more or you can due without and concentrate your buying power on one thing.
I drove ancient used cars until I was forty. I funneled most discretionary capital into audio. Focus. Also, I always pursued a career in what interested me, and one compatible with my disabled partners well-being, and income was always tertiary concern. But eventually I still was able to make a fair amount of money… hence I have a nice system.