I'm not rich by any definition..but decent clubs cost the price of a few pizzas, and balls the price of a few coffees.
I use cheaper balls because I can afford them, and I can use them properly...no point in buying expensive balls if you don't have the talent to take advantage of their specs.
With any money I am able to save up, I donate to the various wgt charities. Mr Caddie routinely runs one (12 days long) at Xmas, and Opy does the same in July.
Suggest you watch for these and ask for help...
The suggestion about joining a CC is also sage.
ct