A few of my mates used to play 40k in grades 7/8. Needless to say, finances caught up with them and they don't play too often these days.
The hilarous thing about that is that finances shouldn't have caught up with them unless you buy direct. The market is hilarously oversaturated and just buying stuff off ebay or wherever you can get it all for a heck of a lot cheaper than Games Workshop wishes was possible.
Unless you've just
got to have a Titan model or something. Then you just kitbash your own because the Reaver model will cost you $400 and I'm scared out of my wits by the concept Forge World will try to sell a Warlord ever.