If it helps, I'm just getting started. I read a good bit and talked to everyone I could (BTW, without exception they have all said too expensive, and too much trouble, and everything will die) and knew this wouldn't be an inexpensive hobby and if you try to be cheap (my nature) you'll pay on the other end. So I went to what looked like a good LFS and they had this beautiful 125 gallon tank all drilled out with a nice stand, hood, etc. for $995. That didn't seem too much to me so I talked to the fish guy, told him I wanted to set up a reef system, etc. and he estimated it would take 5 grand. He was very close - I think I have right around $4500 in it so far. I did set it up myself following the lfs instructions (they can come set it up for you for $500) because I thought it would be the best way to learn and I'm glad I did that. I'm not a DIY guy and I probably could have done better on the equipment but I didn't want to chance it so I paid retail but got a lot of great advice, not to mention I'd like to see that store stay there and if everyone bought everything from the internet they'd be out of business. I did buy the live rock, salt, and cleanup crew online. The crew just went in yesterday as a matter of fact. Hopefully first fish this weekend. So $4500 without fish has been my experience! Unless you got some great discounts or bought used stuff I don't think you could do much better than $3500 for my setup - you could always go smaller. BTW, there's a great sticky out there by someone setting up a 90 gallon tank - it doesn't focus on costs, just what you might expect setting up a new system.