Ask how you could afford it

“I can’t” closes the question. “How could I?” opens a path: a smaller version, a later date, a skill you still need. The sentence does not make the thing free. It makes the next step visible.

Some things stay out of reach for now. The useful change is that you can see the step, instead of only the wall.

Use it. The next time you want something, write three honest steps that would make it possible. Start with the first one you can do.