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Frank WakefieldA set of T200 premiums would be tough to complete, Sean. And I'm selling my one card with Bill Goodwin soon. But these guys are right. You're shooting for a distant galaxy, why not set a goal somewhat more reasonable. Then a more difficult goal, and then even tougher...
Why not try for a group of Cracker Jack cards, say 16 cards, one from each of the American and National League teams. That would look neat, you could see the uniforms. Then you could add some of the Federal League teams. You wouldn't have a full set, but you wouldn't have to buy the Joe Jackson card, either. And, you'd learn a bit about the teams, who was on them, you'd know which cards you wanted to get, and which ones to avoid... for example Jimmy Archer's uniform doesn't show Cubs markings nearly as well as Frank Schulte's, which clearly shows the bear cub inside the big C on his jersey. The Schulte card would be affordable. You could avoid expensive cards with that strategy.
I think your dad would be more proud of you if you completed college, got a good job, bought a home, then paid off the mortgage... than he would if you owned a 1914 Joe Jackson Cracker Jack card. Realistically, if you didn't finish college and were in debt up to your eyeballs, he'd be disappointed in you if you owned a 1914 Jackson.