One of the approaches I take to deal with the fact that funds are not unlimited is that I buy a few cards that I've always wanted, enjoy them for a few months or a year or two, then sell them and take the proceeds and start all over again with a different group of cards. Although I've so far held onto all of the sets I've built, there's no reason this approach would not also work for sets. I save all my scans of the cards I once owned, and it's fun to go back and view them every once in a while. No regrets, fortunately.
I do have around 6-10 cards that I consider untouchables and never intend to sell, but who knows.
One thing I do tell myself quite often is to not overthink all of this, or dwell on any aspect of it too much. It's just cardboard and it's just a hobby. It's not meant to be difficult.
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