Being an audiophile is never going to be a truly cheap pursuit. Equipment is only one element and probably the least expensive. A serious music collection can easily cost multiples of what is spent on equipment. Plus you have to consider the real estate element. At a certain point most people begin to realize the importance of the listening room. The true costs of a dedicated listening room with even a small amount of acoustic treatment will be greater than the price of the equipment. I knew I was getting serious when my real estate living decisions revolved around listening room considerations.
Hi-Fi can be less expensive than anything
My modest by audiophile and outrageous by other standards set-up cost me about $7000, would've cost $15000 had everything been bought new. Not counting records, blank tapes and cds of which I don't have too many. Spread it over 15 years and it is less than $40 per month. That's nothing. Even if you triple this figure it will still be almost nothing.