For many years I was in the same boat. Part of the issue was living in a very expensive place to live. Cost of living was killing me, still is in many respects. I'd have to move my 1 moderately good scope from rifle to rifle. Still am moving scopes around a bit now and then. Not all my rifles wear the scopes I want them to eventually wear.
Find ways to save. Quit drinking beer, $5:day saved, quit smoking $5:day saved. Don't buy lunch at work... bring one instead, $5:day saved. Before too many days you've got enough. Also, consider thoroughly which scope you want and why. There's a big price difference between a Nightforce SHV and a Nightforce BEAST. If you don't need the big one, get a smaller one.
My strategy was to use my company's referral bonus program and refer a couple candidates in to put me over the top. After I'd quit smoking and I didn't eat lunch during the week unless my office had it catered in for about a year that little extra from the referrals made it happen. After I got my referral bonus', that immediately went with my saved up nickels and times to get me my dream optic. Did it again recently, have another tier 1 scope coming as a result. It takes me about a year to save up for a decent optic if I can get a referral bonus during that time. Otherwise it's likely to take me 2 years or better.
Also, when NF or whatever brand you want comes out with new and updated models their older models will plummet in price and places like here or snipershide will have their for sale sections absolutely plumped up with great deals. Like when Vortex put their Gen2 Razors out, it seemed like all the Gen1's on the hide were suddenly for sale.
Biggest thing: Stay determined. Once you have it, you have it and it's something you'll be really proud to own for the rest of your life. Old men always have a couple great high quality things. They didn't probably get them when they were young.