Honestly, I would've started off when I had more money saved up for the hobby. Nowadays, I stare at beautiful corals I wish I could buy, and stare at my tank after seeing someone else's gorgeous reef system and say "Mine looks so bland. If only I had 3grand to blow on all the corals I could wish for..."
I also would've read a lot more before I started up my first failure of a tank, 3 years ago. Now, after 6 months of non-stop reading...nothing can stop me! =D