Gear is an investment; although it doesn't HAVE to be purchased before you get the bike, it's a good idea. Pick it up in pieces as the money comes your way. If you have a set of gloves now, use them for the time being until you get some cash to buy a better pair. The same goes for a jacket. If you have a heavy denim carrhart jacket, use that until you can find a good deal on a leather or textile. Buy used if you can. Riders will often sell gear b/c it no longer matches their bike, they've gotten out of riding, or they outgrew it. Take advantage of their loss.