when I started touring, I lived frugally, got the camping gear here and there, some as gifts from family, rarely ate out, didnt smoke, drink much, so was able to afford a plane ticket to somewhere, and then camped and prepared my own food most of the time, so even though I flew to France, the expenses there were very low.
I also didnt have a car, which helped for saving.
bottom line, a bike vacation is very much on the low end of expenses in terms of vacations.
and I did plan my vacation time for it.
sure, later in life, family, house, obligations meant I didnt do any long tours for a while, but then started up again years later as family grew.
its all doable, but as someone else said, money wise its not for us to really say how one should plan and budget their life, but it certainly is doable if you plan accordingly, and strangers on the internet can't tell you how to live your life , but at least know that for most of us, I presume anyway, we are just regular folks that are not wealthy and we worked things out.