I know the feeling! Basically if you get a good sized tank, good lighting, an above par skimmer (can handle larger then your tank) and a few power heads you are well on your way. I've been in this for about 18months now. I got my tank 3 months before I had even started building my stand for it. It was another couple of months after the stand was built before I had lights on the tank. I know where you are right now and you want to do everything right the first time and that is awesome, but I can promise one thing, no matter what you buy or save for there will always be something to upgrade or change later. Heck I went from a 75g wet/dry filter with 260w PC
light to a 3 stage sump/fuge and 570w of MH
lighting. Now I want a bigger tank or maybe just take my 55FW and turn it into another reef. Bottom line is make good choices and listen to those who have been there and done that and you will do well first time around.