Welcome Todd,
You will find this is a great place to learn and interact with a lot of good people that will help whenever needed. I lurk more than I should but I feel that there are dozens of people that I would trust 100% eventhough I have not had any contact with them. You will learn who they are if you frequent the board enough.
Also don't worry about your lack of budget. I'm exhibit A for having eyes bigger than my wallet. I bought one card last year, a T206 Young Port PSA 4, but believe me, I wanted more. Hopefully 2010 will have more purchases in store for me. We all have different backgrounds and we all collect at our own pace.
Good luck on your journey and there literally is a wealth of knowledge here.
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