Advice for NEWBIE Plane Buyers (Plane, Insurance, Costs)

Insurance for a Saratoga Piper is $11,000 + Per Year for a New Pilot.. Here's what I've learned so far. Add me on IG ‪@ThisisJohnWilliams‬
✅ 🗳️Learn from John ✅
UA-cam Success Blueprint: wealth.thisisj...
Wealth Academy: wealth.thisisj...
Real Estate Investing - GOLD Package: www.uofre.com/...
One on One Call: thisisjohnwill...
Let's Connect on:
Instagram: / thisisjohnwilliams
TikTok: vm.tiktok.com/...
Twitter: / johnwilliamsbiz
LinkedIn: / john-williams-3a699612
Clubhouse: @johnwilliamsbiz
I wanted to start off with a Saratoga Piper however that may be delayed now.. Here is what I learned so far... The Saratoga Piper is $250,000 - $400,000 (this price increased by 30% over the last 2 years) and the insurance rates have nearly doubled.
Two years ago you could have purchased this plane for under $200,000 and the insurance would have been 3,000 - 4,000 per year.. Now it's over $11,000 per year and $70,000 more.
I was advised to wait on the Saratoga piper for a year until I get my instrument rating, once I have that then insurance rates will drop by 50% and hopefully we'll see a dip in aviation plane costs.
If I were to start with a Cessna 182 and flip out the avionics and the interior I could have a very nice plan for $150,000 less in purchasing price as well as $5,000 - $6,000 per year in insurance costs and maybe save another $15,000 - $20,000 in airplane maintenance costs etc..
I would rather use that money to invest in real estate or grow my online businesses. What are your thoughts? Where would you start as a new pilot? Are you in the process of obtaining your private pilots license?