I'm a college student just to put this into 
perspective, I hold down a part time job, but I 
really am not paying for room and board and 
tuition.  I think it's a matter of how much the 
cels make you happy now.  I have my own limits 
and I have found them to be rising a bit the 
longer I collect, but if I can still afford it 
and I can still look at a cel and it makes me 
happy to own it everything is fine.  In the long 
run years down the road if I decide I no longer 
want to collect and the market has gone kaput I 
probably won't be too disturbed because as my 
friend puts it "money comes back" and I derived 
pleasure out of a hobby for several years at the 
least.  It would be too hard for me to look at 
this collection as an investment. (Although hey 
if I was to sell a cel at a profit, there's 
nothing wrong with that ^_^) Also I think of it 
this way, as I'm probably not the most 
financially responsible person when it comes to 
saving money, if I wasn't collecting cels, I'm 
sure I would be spending my money somewhere else 
anyway, such as clothes, or computer equipment, 
etc...and as long as cels are more important than 
the above (haha I have limits for that too though 
^^) then that's what I spend it on.  I would 
still be broke =)

 As for buying overpriced cels...I've only bought 
two cels that I felt were grossly overpriced from 
market value, but they were both exact to the 
screen cap wish list cels and I even offered that 
grossly overpriced amount of money on one of 
them ;)  I feel your pain in Cowboy Bebop cels, 
but maybe more cels will flood the market, or if 
the movie is made with cels they will become 
available.  I just ignore eBay with certain 
series because their prices are going to be 
skyrocketed.  

- Emika >^.^<