The d40 is NOT fine as a beginer's DSLR. It's image processor is equivilent to that of a flashlight's. The CCD image sensor might as well BE a flashlight. As well, it only with with AF-S lenses, which is not a good limitation for someone on a budget, as you will be hard pressed to find affordable glass. If anything, find a Canon Rebel xTi, or 750D if you're outside the states. Nikon's lower line is just short of being point and shoots. I'm a long time employee of Ritz camera and a studio professional in the Chicago area. If you can afford a D80+ I would say Nikon is a decent choice, but as a beginer I would not recommend them, especially not the D40. You may also consider staying with a film DSLR until you save up enough money to buy a camera that does not require your hand to be the size of a child's, as well, you'll have an opportunity to know if you really want to spend the money on a real camera.