Lots of good advice.
Collecting to me is something where taking the long view is workable. It's one thing to have a decent size budget and focus on one set aiming to finish it in a particular time. It's much more challenging to look at cards overall and collect a broader range assuming you might never finish most sets.
Heading for 50, I wish I'd bought more cards when I was 20. 30 years from now there will probably be at least a few people with the same thought. But if I'd bought more cards I'd have missed out on some stuff that's more important in the long run, like ski trips with my friends. (Next year we'll be taking a camping trip 30 years after the one we took in 83, and 93, Skipped in 03 since the camping area had some serious crime problems.)
Going into any sort of debt fora collection is pretty silly unless you look at it as a thing you'll sell that's a sure thing (If I found a Wagner for 50,000 I'd take the loan, but not for most normal stuff)
Collecting without a big budget comes down to knowledge and luck. Knowing you've found a good deal when you see it makes a big difference
Steve B
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