This is for those who, like me, have limited financial resources, but love the best this hobby has to offer.
If you relate to this, I believe you can be very happy as a model railroader.
There are many strategies for accomplishing this, which we can share here, but I will start us off by sharing the thought that inspired this thread: All You Need is One.
When I discovered Visionline, Legacy, whistle steam, and the cost, I thought to myself that it would be awesome to have it, but I will never be able to afford it. That is still probably true for me when it comes to Visionline; $2,000 for a locomotive still seems prohibitive for me.
Then, last year, I saw a Legacy NY Central Ten Wheeler in the Lionel catalogue that has whistle steam and runs on 031 curves. And, the cost, about $700, was steep for me, but not unthinkable. Also, that ten wheeler is perfect for my layout, which has features reminiscent of The Put (Putnam Division of the NY Central).
Well, I bought it, and am so glad I did. It is, and may always be, my number 1 steamer in my collection. I also believe, at this time and hopefully for the duration, that all I need is 1 Legacy, 1 locomotive with whistle steam, and 1 steamer that is perfect for my layout.
I feel the same way about the 1 diesel in my collection that is perfect for my layout: an MTH Proto 3 NY Central RS3. The NY Central RS3 also commonly ran on The Put.
So, if you think model railroading is unaffordable for you, don't despair. There are many ways to make it more affordable which, hopefully, will be mentioned on this thread. Arnold