Well, I'm a mom of 3 and I work full time for the Army National Guard in my state and also drill. I sell items sometimes to pay for new equipment, but mostly I just am careful with my spending and keep a bit in savings. My hubby's aunt and gramps own/lease the land where the horses are.. and she is the legal owner of my horse, though she considers her mine. I don't have to pay for boarding, our family does trade offs for hay in the winter and we all chip in for grain. She pays for shoes and most of the vet care even though I protest when she does LOL. I'm looking for a Quarter or mustang or cross breed for my kids right now... I'll have to fight her to get her to let me pay for all of it's care LOL. I'm very fortunate. My hunny works full time for the Army National Guard as well.
I had horses as a kid.. I showed Saddlebreds. My parents were wealthy. I am not LOL. I wasn't able to own a horse after I got pregnant with my oldest biological child.. I just this year have been able to start back thanks to my hunny's family. They are wonderful.