You will spend all your money, your neighbors money, and your future retirement. I say do it, I have a love and bond for my jeep that makes me take pride to own it.
If you look underneath and it's scratched to no end then that's a good indicator that age has been wheeled alot so might stay away seeing its your first. I love my yj but it will beat you up. If your ok with that, than you will find one cheaper than a tj. Lift kits are cheaper too. Just stay away from anything rough country. It's trash product. Good luck