Tom,
Welcome from another financially challenged steam enthusiast.
My own compromise are Stirling Engines, with a bit of imagination they can be mistaken for the steam variety but with the lower pressures involved, materials and equipment can be less of a financial burden.
I need to build stuff – to do that I need a lathe –
build a lathe.
That's my problems sorted for a couple of years, Good Luck with yours.
Toodlepip
Brian