The "start up" money is very little compared to what a dog will cost over the course of it's lifetime. Here's a great breakdown of those costs:
The Cost of Owning a Dog
The most important thing to focus on is getting a healthy puppy. "Bargain" puppies can rack up thousands of dollars in vet bills, sometimes right away. Yorkies are prone to liver shunts and luxating patellas which cost thousands to surgically correct. It's essential to find a breeder who is knowledgable about genetics and health tests her breeding dogs to make sure they don't pass genetic conditions on to their offspring. Since Yorkies are so popular, too many people who don't know what they are doing are breeding them.
I'm glad you joined YT. If you stick around, you will learn a lot about finding a reputable breeder when the time comes to get your little boy.