Hey, I don't even have a job !
On the music front ... with the advent of powerful computers, excellent analog to digital converter boxes/cards, and clean signal paths, you could setup a studio in a laptop/desktop using only software instruments or samples, and a pair of headphones. And you could do that with free software. So the expense could be very low. Maybe a small midi keyboard to play the soft-synths.
That sort of setup is not what you see in the pictures above, but it is workable and inexpensive.
Heck, Biosphere does "live" concerts with just a laptop and small midi keyboard.
Hardware gear is another fascination. But most digital hardware is just a program burned to a big chip with a physical interface of knobs and stuff added on. Not really different from a software program on your computer. But software doesn't have the tactile appeal, or the dedicated and unproblematic use.
I use more software synths and effects than I do hardware ones. Software is convenient and powerful. It is cheap to add 'knobs' for every parameter to software.
Of course, getting usable, cheap software for music production is no guarantee that a person will produce music worth listening to.
It is relatively easy to string together pre-configured samples, but its another game to play and compose like a musician.