I felt like you were making it sound like if I didn't have 1k just sitting around I shouldn't get one at all.
That wouldn't be the worst idea I've ever heard. I've read literally dozens of articles & threads on costs of owning chameleons (and other reptiles) and I haven't found one yet that realistically included everything and was up-to-date.
Beman's post came up while I was composing this, but TBH—
realistically—I think her numbers are kinda low. She also left out a big one (unintentionally, I'm sure)—
shipping on all this stuff—including feeders. Shipping on feeders often comes close to—or as much as—the feeders themselves. You can raise your own, but that involves more one-time and ongoing expenses. When I ran the numbers, it didn't make sense to raise feeders for one or two lizards.
Hobbies are notorious money pits. What makes exotic animal keeping worse than many is the unpredictable contingencies that have to be dealt with—
and paid for—asap. It's bad enough that enclosures, decor, plants, lighting, hydration gear (incl. fogging if nec.), instrumentation, etc. cost many times what the animal does; so—often—do the annual vet bills. One of the things I did to get a handle on that (before I got a lizard) was to drop a line to my local herp vet and ask what to budget annually for vet costs. He was very candid about it, told me the cost of a health check & fecal test, and advised me that those figures wouldn't include meds, imaging, surgeries, some procedures (e.g. euthanasia), recovery, and other unforeseeable expenses. In the end, he said on average, take the cost of one health check (office visit) and one fecal per year, double that, and if nothing major came up...
They tell you there are one-time and continuing expenses, but what if something goes wrong with one or more of those one-time expenses? What if your $100 worth of plants get a parasite or fungus and all need to be replaced? What if your mister crashes? What if your cat knocks over a lamp that crashes through the side of the enclosure and renders it unrepairable? I can't even list all the possibilities, because they're unpredictable and unforeseeable—that's the point.
Most small businesses fail because the owners are under-capitalized. That means they didn't provide enough of a cushion to account for unforeseen circumstances. The same thing happens (all too often, as most here can attest) to folks who get into this without a sufficient cushion.
We're not trying to talk anyone out of this; we want everyone to succeed.
We're trying to make people aware of the
realities, based on our own experiences.
The worst part of undertaking a new adventure like this is, you don't know what you don't know, and since you don't, you don't know what to ask.