Buy yourself a pair of Pastels and a pair of Mojaves or YBs. Get a couple of adult normal females too.
If it was me, and I was starting over, I would do this: STAY SMALL. Rat bills add up quickly. I would buy animals in simple recessive trios, Ghost trio, Albino trio and Axanthic trio. I would get myself a Spider female or two, Super Pastel female or two, and a nice double Co Dom male, and go from there.
Dave