Hi everyone. I've got a tax refund coming, and I can't think of anything better to spend it on than photo gear. First and foremost, I'm gonna buy a faster lens, probably the Nikkor 50/1.8. I got a fairly nice Slik tripod for christmas so I'm good on that. Now, I generally shoot birds and wildlife, but I'm interested in getting into portraits and maybe shooting models too. Ideally, I'd like to learn to do stuff along the lines of what Dustin Diaz does. He's great if you haven't seen his work. Basically, I'd be looking to pick up a Cactus setup and probably an inexpensive Vivitar speedlight or two. Then I need a light stand or two, and maybe an umbrella and/or a softbox. Hopefully I can do all of this for under $500 (not including the lens). Am I overthinking this? Underthinking it?