It doesn't take a "gazillion dollars" just patience. Get the rock scape (shape) you want. Then decide what you want to grow and where. Almost everything I have started with frags. I like a lot of color so I have tried to incorporate many different types of corals with a variety of colors. Just do the research before you purchase anything and before you place your coral where you want it to eventually grow. Many corals "hog" a lot of space and send out very long tentacles at night. If you are not careful in your placement, they can destroy a beautiful piece overnight. (Ex. - I placed an acan too close to a plating montipora and the next moring over half my monti had been consumed.) Keep a close check on your water parameters and make sure the fish you have are reef-safe and compatabile with each other. Introducing the same sized tangs, even different species, at the same time kept my tangs from attacking each other.
Just be patient and enjoy the process.