But seriously, it IS hard to make decisions financially on what one "ought" to do with coin purchasing. Keeping a "budget" in check with life and family and responsibility, versus, a deep passion/love/addiction to coins.......that isn't easy for everyone to balance and one has to be willing to do without certain coins, possibly for a lifetime, in order to keep that "balance".
Best advice:.......buy smart......arm yourself with as much knowledge as you can, be picky, and stick to what's affordable to you without sacrificing the more important things in life.