My opinion on this is if you work for your money you should be able to spend it on something you enjo. Whats the point in working if you cant enjoy a little bit of what you work so hard for, and you do have something to show for it. Every time someone comes to my house and sees my tank the expressions, comments, questions, and compliments make it just that much more worth the money. Your avrage everyday person couldn't imagine having the ocean in their house, and we "reefers" have something that those people dont ... Guts enough to try our hand at owning a piece of the reef. Everyone deserves a hobby, most people have them.... Their going to spend their money on their hobby so we should be able spend our money on our hobby JMO. When its all said and done its your decision what you feel is best for you. I hope this helps.