That doesn't have to be the case. Yes, you need some disposable income for this. I'm always amazed at the guys who don't have a pot to piss in who want to get into model planes or shooting or hot rods or whatever. I'd say a guy can have a good time in the hobby if he's able to manage $500 a year on it. There will usually be a bit more of an investment up front to get started, then after that it's parts and the occasion new acquisition. Of course, the cost can rise as high as you're comfortable with as you get interested in nicer planes, but it doesn't have to.