How low is low enough

You'd need to divide the cost by 4-5 for going to LEO, and multiply by 2
to allow for life support.

So it would only cost about half of that, which you probably still can't
afford, but hopefully
in the next ten years the price may drop by a factor of 4; it did that
in the last 10 years, so
there is hope. Many people might consider Space Tourism to be for them,
then.