I am working on a very low grade set...have only been really serious for about a year and have it down to 120 or so to go. I am seeing this as my "rest of my life" set. I really hope to complete it by the end of next year (minus the big four) and then just work on upgrading it. At this point it is GENERALLY poor to fair...hope to eventually get it up to good. I have a good job, but haven't broke the bank for it...also have two kids to get through college. The key for me has been 1) I am able to be grade tolerant and 2) I have traded A LOT.
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