id rather skip the cooling for some other day and get a an i7 4770k..but if you want a cooler then it's you have to choose between air and water...noctua NHD15 will be the best for air cooling and corsair h110 or swifttech h220 will be the best water cooling solution...btw if buy AIO water coolers, dont forget to add nocuta pwn fans...they really help a lot....air coolers take a lot of space and the nhd15 does not look good (for its price)...but i have seen people complaining about AIO leaks and damaging components..also they are expensive i mean swifttech h220 with 2 noctua pwn fans will cost you around $150 but nhd15 will set you around $90...it also depends on your motherboard....does your motherboard posses the muscle for good overclocking...best option would be to get 4770k and skip coolers and go with stock heatsink....after 1 year when you have the money, and you feel the need to overclock, then move to proper water cooling kits....overclocking helps...but it will only give you 3-5 more frames..thats it