All I can say is if you're thinking of a lighting set-up for a 95 gallon tank and you dont have a job and you're goin to be depending on your allowance/Christmas/birthday money.... maybe you should just not worry about mushrooms right now
hehe... you'd probably be looking at around 200-500 dollars... I honestly cannot say I have really checked out the prices of VHO lighting set-ups.. but if I had to guess.. that would be it.