Honestly, my comfort level is around the 2K mark, but I have a large settlement coming my way and could go higher. I have a good tripod and a Nikon speedlight, and a Nikkor 18 - 55mm lens (freebie from work 'cuz someone dropped it, but works fine, but I rarely use it), so I definitely haven't invested in good glass, and want to add a 50 or 35 mm prime for sure. I have a disability that leaves me limited in how much equipment I can lug around to the kinds of locations I have in mind, so off-camera lighting isn't worth investing in until I'm in a position to set up a studio.