There is an equation that should be taught in your cert course but most people don't figure out until about a year into diving a Rebreather, (and pray the spouce never disscovers).
AE= (DI x 1.1) + ( CL x 1.5 )
AE - Anual expenses of owning a Rebreather
DI - Anual total disposable income
CL- Credit limit, sum of all available debt that can be incurred in a year
Everyone's total ammount is differant but the math is about the same.
Sometimes smart guys get away with AE= ( (DIx1.1)+(CLx1.5) )/SU
Where SU is the average number of times the search function is used in fourums by the Rebreather diver before new threads are started.
Sorry I could'nt resist.
Don't worry just spend the money, you can't take it with you.