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How about this... I have two small children, a mortgage, a small college loan left and house repairs to do. I just threw down $800 for an HO engine overhaul and about $50 to $60 a month on blank kits and details so I can have them for a rainy day. I don't have a layout, just two 3-foot pieces of test track. My wife thinks I'm nuts. When I was still in Lionel.... O-27 ..... I could easily go through $100 a month. Serious modelers do much more. Most importantly, I buy junk when I can just so my children have something to play with too. I am starting to work in fine detail, where mistakes mean 20 man hours of reworking. So my 3.5 year old daughter gets a Crayola Brush, acrylic paint and a few old buildings to "paint" and she loves it. Above all, spend what you can afford and keep your kids involved. Or else, your hobby isn't worth a dime.
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