I LOVE GEAR. I love hobbies that involve gear, gear and books. For me, cool toys are part of living a life worth living. Gear is required for adventure and exploration. With that in mind, if you read my initial post you'll know that I barely have two coins to rub together. Both my wife and I live frugally and have jobs with very high emotional rewards, but relatively low financial ones. I am a teacher, and she is a social worker. We help people for a living. We make the world a better place with our work, and that is unlikely to change. Still though, I REALLY like gear. This means I need to either save up to get the things I want, or want things that are comparatively inexpensive. Other posts will cover how to get your finances into a healthy place, but for now lets talk toys.