Bad Airman!

Get a decent entry level bike. If you have to wait for 2 paychecks, wait. If you have to buy used, buy used. If you have to finance, there's a Performance in Scottsdale, they offer "90 days same as cash" and they carry Giant and Fuji bikes. Then if you want to put better components on the bike, you certainly can, but you'll have a decent frame to start with and components that will certainly serve you well. If you buy cheap, you may end up not being able to ride it in 3 weeks and then where will you be?