Don't feel bad I'm old and broke
look at saltwater.com they have lots of frags on sale $10. and up and sometimes you can s get free shipping with orders under $100.
find some local clubs you can sometimes find some good deals also Craig's list
I'm good with buying cheap corals online grow them out some than frag them and trade them out at my local saltwater reef store for other nicer corals
I've done this with all types of corals that I know are fast growers
this hobby is addicting and somehow I always find $ to buy something
I've even traded out fish tanks for livestock and other goodies
I have one rock in my tank nothing would grow on than I got some xenia that I traded a 5 polyp frag of zoa's , I know xenia grows fast anywhere so hopefully it will grow on this rock