What type of sand are you getting. Getting dry sand which is not live will save you money. You may also want to look at marcorocks.com or reefrocks.com for dry rock. Live rock is very expensive. I beleive at reefrocks.com if you order so much rock you get better deals on sand. I think you get free shipping too. If you go with dry substrate and rock you will need to buy a piece of live rock to seed you tank. This is prlly the cheapest way. You dont need a light for your rock. For the lights befpre buying any you really need to know what type of tank you are setting up. Fowlr
(fish only with live rock) softie, lps
or mixed reef. The reason is so you dont buy lights then have to go buy more bc you didnt get the lights you need. What type of filtration system are you going to use. Many and id say most people use a refugium or sump.