finance it so there is minimal out of pocket and then pay it as you use it. also look at what options you want up front and then negotiate from there. adding options later will be very expensive. ultimately what kind of work do you do? even a few year old has will save you tons of money and my 95 while not the fastest tool in my shed still runs all day everyday and when I need to fix it. has still has the parts and comes to my door. so don't worry about getting an older machine if price is a big issue.