> buying all the gear
Most blue collar jobs require this. A mechanic usually has to provide his own tools. This can be tens of thousands of dollars just for a basic set that lets you do standard jobs. Then you might have specialty tools for specific equipment.
Even a framer or roofer is bringing his own hammers, saws, PPE, and anything else that's required. You don't just roll up to a job and get handed everything you need like a software job.
Big time money on tools and professional tools are not fucking cheap. I have about $1800 in measuring equipment alone that I had to buy out of pocket. Add in wrenches I can put my entire body weight into all day long, a drill index, multiple top-end hammers, screwdrivers, grinders, deburring tools, punches, clamps, handheld grinders, etc. etc. etc.
I think mechanics have it worse though. In my shop I mostly only need imperial tools, at least.