I agree about the research point. However, I'm going to take a stab in the dark and say that collectively as Joe and Betty's brain, we should be able to fast forward to a point where they have gained the knowledge necessary to make intelligent decisions. After getting up to speed on everything, they do need to set a budget. Once their budget is in place, I'd vote that they need to make a decision on what type of corals and fish they'd like to keep (primarily just corals). By knowing generally what kind of equipment they may need based on their livestock, they can then make a more educated decision on what equipment they will most likely need (not specific brands, sizes, etc; instead MH vs. T5 vs. PC).