Mike,
The workshop I have has taken me 29 years of work and savings, but made a promise to myself that I would not go in debt or charge anything. This shop has been my retirement dream and I have kept that promise not to go over board to enjoy my dream. My shop is paid for complete, and I have a 20' x 20' Handihouse, insulated and sheetrocked inside with a hardwood floor, Full lighting, Heat and A/C. All new big power tools and hope to get more as I go. Nothing will be put in my shop that I owe on. My shop is not all the way complete yet but very close. But everything I have I am very thankful for and blessed to have. This is not to take from anyone who is working on there dream as I wish all them there dream also. but this is how I did mine and respect those who have bigger shops and finer tools than mine. This site has some of the BEST woodworkers and friends anyone could ask for so I hope you can take a piece of each response and add it to your shop. Good Luck! Terry