Wildlifewarrior.....it all depends on what your definition of "a ton of money" is. And it depends on what kinds of morphs you're most excited about.
Pastels have come way down in price...so that's one way to get a visible morph right off the bat without spending too much money. (relatively speaking!) However, not everyone is excited enough about pastels to want to spend even that much money on them.
If you're really excited about albinos or pieds or caramels...the best way to go is to start with hets. If you want a visible morph right away, then look toward pastels or spiders. Spiders are still more expensive, but then again, as I said, it all depends on your definition of "expensive."