I can comment on the wallet thing. Since being a member here I've been convinced to spend over three hundred dollars modifying my 100 dollar pair of headphones (wood cups and a budget recable, have committed money to a pair of Magnum drivers as well as buy a 30 dollar case off ebay to keep them safe from those gnomes that visit my room at night and knock things over, and finally an amp/DAC [this one, coincidentally!] which isn't being figured into the 300 dollar figure). I can't afford any of this, mind you... I'm making a conscience decision to eat ramen noodles for a month or two to get some good quality.
Thankfully, as a college student, I'm used to this.
Thankfully, as a college student, I'm used to this.