By the way, try first to buy that domain you want to buy...before gaining traction. Gaining traction brings traffic to that owner also...thus, the price is raised because of this too.
I would think that would depend on how much money you started with. You might need to gain a little traction before you even have enough money to buy a premium domain. Even if you do have the money, spending say 5000-10000 on a domain might be a little hasty before even convincing someone that your idea should be funded.