Almost....I have crossed 15 years with so many analysis and educated so many people in my carrier.......
When I started learning.....I have spent more money and learned on my own (with the dedicated follow up with my Guru)......
I spend on Books / Many International Charts and Lots of Interaction with learners.....
Whenever, I use to spend money...I always think, that is the Investment and Not a Expense...
Spending money on learning / Knowledge is an Investment....Not on Expense...
But, I followed only one Guru (still i am following him).....and still I am learning...and still Spending money on Learning...
Nothing is Free and Nothing will come Free....everything involves cost and everyone is working for that.....
Learn and Earn...