Your tank looks great. So clean. And you got a LOL on the "...everyone knows how that goes." I was wondering how long it was going to take you.
I've gotten a lot of great advice on MFT, but the best so far has been to locate a local reef club. I found one online. So far I've adopted 5 pieces of coral and a featherduster completely free. You can get common zoa frags for $5-$7, toadstool frags for $3-$5 (though I suggest you buy a full toadstool and frag it yourself - one of the easiest to frag and very hearty), mushrooms for $3-$8, and even LR for $2/lb. Fiji and $3/lb. Tongan.