I also feel it's EXTREMELY important to have some cash squirreled away for emergency vet bills, equipment failures, etc... Accidents happen, illness happens, equipment fails. So it's our responsibility to be able to afford new equipment or vet bills, which you typically have no time to prepare or save up for. Just my two cents, but I find it irresponsible and unfair to take on pets if you can't provide in emergency situations as well.
As for what snake to get...that's completely up to WHAT YOU WANT in your new pet. There are tons of species (not breeds, FYI) to choose from, so without knowing your expectations there's no way we can help you.