Thats my situation. Mid 30s and have collected a bit over the last 15 years. But at this stage have a family started and time/money just isn't there for making big purchases. As it is, I have been at restoring my pump for over 2 years now and cost is a big factor (although surprisingly finding someone to do the paint work I can't do also is a stumbling block). I'd love that nice vintage 50/60s clamshell Shell sign or an oil can rack, etc but I don't have the $500+ I need to buy in on those things.
That said as I age, I fully expect to collect more, take time to go to swap meets and sales (as he gets old enough, probably take my son along too!) and in general just put more money and time behind the hobby. My hope is that there will be enough of us to keep the tradition on here going!