I'm retired & on a fixed income. With SS, my state pension, some 401k's, I actually make out better now than when I did when I was working. That said, I'm really glad that I had all of my grail guns already purchased before I retired.
My focus now is more on knives, which are generally less pricey to collect than say, my Wilson Combat 1911's. I still don't spend a lot of money on custom knives, because the offerings nowdays from companies like Spyderco, etc, far exceed what I used to expect from a knife, as far as materials & workmanship; and I've had a knife in my pocket daily since I was six or seven. Previously my knife purchases were limited to the $40 range, but now my focus is on what I consider the "must have" ZT's, Spyderco's, Benchmades, etc; and I do a lot of research on forums like this one & on the error-net before spending my money.
Whenever the guy in the brown truck leaves a small box on the porch, my wife always says, "'Nother knife, huh?"