I know it may not seem like it, but in just a few years that 8000 will seem like a drop in the bucket. If you delay, it could cost you tens if thousands. Capt upgrade, furlough, reserve, moving to a legacy, etc. You probably won't miss that $ in five years but you will feel the effects of the investment for a very long time.
Also, it's not an all or nothing thing. Right seat in a king air and buying time etc is a choice most of use faced at one point.