My wife and I are DINKs (double income, no kids) but we don't take purchases lightly either. Other than mortgage and auto loans, we never buy anything on credit, never. We have 3 CCs that get paid in full each month. Therefore, if I want an audio upgrade I have to pay cash for it out of savings and only if there is extra, since that fund also has to cover other expenses like vacation, home repair, healthcare, and so on, not to mention we have to be very careful about saving for retirement. I have limited discretionary funds and have to balance that between audio and cycling. I can't have two expensive hobbies at the same time, but somehow I do.
Clearaudio Ovation/Magnify/Concerto v2; Herron Audio VTPH-2
Naim Audio ND5XS/NAC282/HC/NAP250-2; Dynaudio S3.4e2; REL R-328