I have made only small, incremental investments into hi-if audio by strictly subsidizing each purchase with the sale of other equipment before upgrading. I also have never paid full price for any equipment either by remaining loyal to one independent dealer (another reason to support small businesses) or by buying secondhand. This approach has allowed me to minimize the steep depreciation curve of electronics. I have also decided to focus more on CD and LP based audio, because those technologies and formats are mature whereas streaming audio is being rapidly developed and its a slippery slope in terms of a never ending upgrade cycle. I also tend to make purchases of only proven, timeless classics which helps reduce my annual spending and maximize resale.