L._.
If money is really an issue, then consider going to bed bath and beyond first and look to see if there is a memory foam topper on sale. I have a fairly normal pillow top mattress. Then I add a 1.5 inch memory foam topper and on top of that, just a regular thinner mattress topper that looks much like a quilt. Combined, I love my mattress and I only have about 450 in the whole set. Mattresses are so personal, so hard to find, and so expensive!