I've personally found that EDH/Commander is a good solution to the money problem. Yea, you're going to wind up dropping a few hundred for a deck (if you're staring from scratch), but the style of the format means you're not constantly chasing the "new hotness" of standard and don't need to worry about dropping $600+ just for your lands like modern. And I mean, legacy/vintage are just a way for rich people to show off.