Takes all kinds. I know a guy who has 2 climate controled buildings to house his collection of 30+ muscle cars, he has a couple of Yenko's. Never worked a day in his life. Old family money.
I also know a guy, John, who spent 10 years restoring a 1959 El Camino.
My Doctor, who out of the office is a close friend, just finished a Cobra kit car. I helped a little but not much. Took him 3 years. It was his relaxation therapy, he don't smoke,drink, chew or cuss.
Kip is building a '32 Furd, fiberglass!!!! Blasphemy!!
All depends on your station in life, Gary who owns the 30+ muscle cars has 2 employees who do nothing but basically wash,wax and blow up the tires. He couldn't change a flat tire if his life depended on it. My Doc, John and Kip know every nut and bolt on theirs.
As far as I know none took out loans, Gary and my Doc can afford the luxury.
John and Kip worked out of pocket, scrimped and saved.
I respect those that build their own, not so much those that buy the ready made. But I appreciate the fact they are saving them.