Hey Tyler. Although most of us use boats it should be enlightening to hear that 90% of the fish are caught within casting distance of the bank, so while it may take a bit more excersize to access the fish you'll still have an equal opportunity to catch them. Don't skimp on tackle just because you lack a boat, good quality gear enhances the experience regardless of where your standing when a fish bites. Until you can afford a boat, a pair of waders will help, and they are affordable.
Welcome.