If you think your overspending now ub1990, go have a look at some musky gear, where a basic, everyday, run of the mill lure will cost you about $25 each, a "good" lure will be $100 and then the really nice ones go on up from there, with some baits costing $300-400 each or even more.
Then there's the gear to go with it.......a good net is $150-$200, cutters for going thru 7/0 hooks about $60, store bought fluoro leaders about $10 each, and the list goes on.
Now you have to buy a boat and trailer and GPS and sonar and truck to pull it and gasoline at 90¢/litre and insurance and boat ramp fees and
Like fisherman says, buy what you can afford, when you can afford it, cause if you have to worry about the price, your not gonna have any fun while your using it. Get a few things at a time and go have some fun