Actually, and Seriously, Joe,
You can get into a setup fairly inexpensive and put it together piecemeal if you the funds are hurting. I personally put my first tank together for under 400 bucks but not one the sizes you are talking about.
YOur first investment is obviously going to be the Tank and the Stand and probably come kind of cover. I am assuming that it will come with NO lighting. Which is fine for Fish. However I would bet you would want more for aesthitic reasons and if you decide to go with any corals.
Go to
www.garf.org. They have a bulletproof reef calculator. Just put in your tank size and they will tell you the corrrect amounts of sand, live rock, flow, heating, etc. Take this with a grain of salt and I would run it by this board to be sure.
After you figure out how much flow you should have (I wouldn't neccessary go by their recommendations but close and maybe a different arrangements of powerheads) and how many watts for heating (like brandon said , do not skimp. Heaters have a shorter lifespan and the cheaper they are, the shorter it is, I prefer EboJager, but I have yet to try the new titanium style heaters).
The other thing I would consider is Water. You will want high quality, RO/DI water. I prefer buying a 100 dollar unit from Aquasafe, or Water, Air and Ice (Ask for walter the water guru). But you can decide to buy your own water from publlx, LFS..etc. A lot of beginner mistakes IMHO can be avoided if you start off with good water.
Filteration will be handled by your live rock and live sand (bacterial) and you can get a small HOB filter for your carbon, but a very important part of your filter will be a Protein Skimmer. Don't skimp on this part. Especially if you are going with meat eating messy fish. One one or two of my tanks, The only mechincal filteration device I have is the one protein skimmer in a sump.
Ray