And as long as you know that it's still a little ways in the future, why not get the kit instead of the ARF? You can start building it now and learn valuable building skills. And while they may cost the same in the long run, for now you just need to buy the kit and some glue. Later you can pick up a pair of wheels and a tank. A few paychecks after that, you can buy a few rolls of covering, etc.