Find and buy.
If you never find magic items, it's hard to save up to buy them.. and if you can never buy magic items, there's really no point in saving and saving unless you plan on building a castle and ruling armies, or you've got a roleplayed money sink (be it patroning another adventurering company, keeping the family well off.. owning one pair of every type of shoe from every above average cobbler in the multiverse).
If you never find magic items, it's hard to save up to buy them.. and if you can never buy magic items, there's really no point in saving and saving unless you plan on building a castle and ruling armies, or you've got a roleplayed money sink (be it patroning another adventurering company, keeping the family well off.. owning one pair of every type of shoe from every above average cobbler in the multiverse).