You're both right
I have some serious, adorable expenses that come ahead of building my collection. They're 4, 8, 12, and 14 years old. And a 25 year project with the bank. That's the kind of thing that makes for a beer budget.
And I do think of things like the mortgage in terms of the weaponry or accessories it would buy. Haven't thought as much in terms of time, I'm not organized that way. Stuff shows up when it shows up, birthdays are remembered when they happen, or slightly after....
If I could get everything on the list right now, I'd have more than I could shoot and might not appreciate each item as much. And I'd have to stretch my interests to find anything else to get. I have learned that it's better to want than to have, as long as you get to have once in a while.