I think the single most important point is to not try and compare yourself to the snapshots you get of other folks' lives. People at different income levels will do things differently. This comes down to available money, but mostly time.
People in the top 5% of tax filers don't have the time to screw around with stuff. They may not have time to scout over summer, or plan a long hunt to get a feel for an area. So they leverage $ to maximize their time and success.
If you fall into a different income camp, take advantage of your resources. Maybe you do have time as a resource, so use it to plan and scout for cool hunts.
Also a bit of a nuanced point here, but debt is not evil. Debt is a tool that can either hurt or help, depending on use. I completely understand those who avoid debt because they do not trust themselves to avoid getting trapped. But too often the mantra just becomes debt is bad.