Well, there is the initial 'afford' question...and then there is the longer term 'investment' question. I agree with Sandy, if you purchase right, you may even be able to get all your money back on the camera should you decide to sell at a later date. I would check ebay and also post a wanted here. But, if you can 'afford' to spend a little more upfront, you probably will enjoy your 'experience' more and still be able to get 'most' of your money back when you decide, if you decide to sell...