If your "really short on cash". Then don't buy a rifle. The worst thing you can do is buy a gun then have to sell it (or something else) to make ends meet.
Can you think of a reason you "NEED" a rifle right now? I'm all about buying what you want just because you "want it". (99% of my guns are "wants" not "needs") But don't get in over your head just so you can have a rifle.
Wait a bit save some money and do some research on what you want. Then when you have to cash go buy that rifle you've been drooling over and you'll be way happier in the long run.