There isn't any change in my hobby behavior because my hobby spending is probably less than 2% of our net monthly income, and my collection is probably about 1% of our net worth. I grew up with middle class, but frugal, parents and I am pretty much the same. I've never spent more than $400 on a card and, even then, it took herculean effort to open my wallet.
I did fairly well sitting on cash and pushing it into equities in the COVID crash. My expectations is, like others, we are entering a bear market as the Fed grapples with (hopefully) transitory inflation, and I'll do the same again. With 8-10 years to retirement, I can ride a long term bear market.
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