from when I started till now, I have spent: $22,000 - $24,000 on cels.

-- Arthur H. Hayward, Colonial Lighting. 1927; rpt. New York: Dover Publications, 1962. Pp. 160-162.Many people have an idea that collecting, if one follows it at all ardently, is a very expensive fad, entailing a large outlay, and can only be pursued by one with plenty of money to spare. This, I think, is quite a wrong conception.
A much fairer way is to consider your collection, of whatever it may consist, as a savings bank, your deposits being the items which you add from time to time. If you buy intelligently and wisely – which you will undoubtedly do after the newness has worn off and you acquire a good working familiarity with your particular hobby – you will find that your bank is paying you a fairly respectable rate of interest in the natural and inevitable increase in values as the years go by.
The known supply [of a given type of collectable] is gradually diminishing. Fire, decay, and accidents take their toll each year. The number of collectors, on the contrary, is increasing year by year. As the supply gradually diminishes and competition to possess becomes keener and keener, more people are attracted each year, so that the inevitable result is gradually increasing prices for those pieces which do find their way to market. Collectors will find that the better the pieces, the more rapidly values go up.
You have the satisfaction of acquiring, the pleasure of daily enjoyment in the sight or use of those things in which you delight. If your circumstances change, or you tire of your particular branch of collecting, or for any other reason wish to dispose of your collection, you will undoubtedly find that you can realize your entire outlay with a handsome margin of profit besides. The enjoyment of ownership for all the intervening years has cost you nothing.
Laying all monetary considerations aside, I feel perfectly safe in saying that at least ninety-nine out of ever hundred collectors will tell you that the pleasure of seeking and finding outweighs the cost many times over.