I'm wondering what a good first airplane would be for the following pilot? Or if I should even buy right now. -110 hours Total Time (and on the rise) -ASEL PPL -Plans to do instrument rating in the future -Weekend day/overnight trips/casual weekday flying -Based out of KRVS (Tulsa, Oklahoma) so trips may be to the gulf coast, New Mexico area, maybe North?. I probably wouldn't do big trips until I was instrument rated. Mainly $200 hamburgers or a short distance overnight. -Would have financing on the airplane (still learning what that looks like for airplane ownership). Concerns: -Getting destroyed on insurance costs since I'm a new pilot without an instrument rating. -The cost of engine overhaul (although I know it's just part of the deal) scares me. Here you are with 1000 SMOH, ten years to go, and it's a guaranteed 30k in 10 years. I would put money aside per hour that goes towards engine overhaul but still. -General maintenance - I hear some planes are much more friendly than others whether it be parts availability or amount of maintenance per year. I had gone straight towards a C172 but had also read on POA that the costs of those right now are quite high. I thought about a Mooney M20C but I'm pretty sure insurance would be awful on that for a new pilot with no high performance/complex time. Planes I have time in: C172 (carb and fuel injected) - Currently renting these now DA20 DA40 Should I just continue renting until I build more hours and get my instrument rating? Or buy a cheap C152 to build time? Buy an IFR rated C152 and get my instrument rating? Or do you get a Bo or equivalent and get crushed in insurance for the first year and it is what it is. I understand there are plenty of ways to go about this, but these are my initial thoughts and I'm VERY interested in what all the experience has to say here in this forum. Thanks for the input.