education is an investment, a prerequisite.
I rather spend my ' disposable income' on a decent gym, personal trainer or physio. That makes following the guide (what @49
says) so much more enjoyable...
....equipment policy: 1 piece of equipment or decent clothing / yr.... so ducktape/epoxy/needle 'n thread does the rest. but i enjoy nice stuff that lasts.
(note: yes i do ride with an airbag, but more because i couldn't think of a reason why i shouldn't).