My wife and I make a good living, We don't spend a lot on toys, we buy durable cars, our house is paid off. the only major money we pay out now is for our son's college. Wife and I take 2 vacations a year 1 together and one each seperately. My 2-3 week bike tours have little impact on our budget. For longer tours I pull a little money from savings if need be.
If you really want to do something in life, you find a way to do it