Cecily makes a good point that almost all of these types of posts seem to neglect.
You're not losing money by buying an item and replacing it later. If you're level 1 and buy a CoF or RBB or whatever twink item to speed your route to 46, it isn't wasted when you get there and want your epic. Items like that have retained their value for years and they aren't likely to decline given the insane number of alts rolled and twinked every day.
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You only lose when you stop having fun. Work on it.
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