A home-defense gun and ammo for $246 bucks?

This idea has actually evolved over the past couple of years since I began to write this blog post.  It originated with a young mother who was referred to me by a friend. She has two young children, a dead-beat husband who up and left her two years ago, lives in a small rented house in a rural area, and was the victim of a burglary while at work... one of two jobs she holds to make ends meet. She wanted to get a gun for home-defense and had two-hundred dollars to spend... what should or could she get?

Greg Ellifritz, over at Active Response Training, posted on Facebook about his experience with a concerned, young lady who had just bought a gun... a cheap gun that was all that she could afford.  He re-posted it on his blog, so take a look here before reading on.  Owning a firearm is not an inexpensive endeavor anymore. You can't walk into a Kmart anymore and pick up a rifle for $59.97.

So, with skipping a couple of meals, turning the heat down to sixty-four degrees in the winter, and skimping on a couple of other necessities for daily living... this young mother scraped up a little more than $200... she has $246 bucks to get the best home-defense gun and ammo she could afford to defend her home. I agonized over my advice for her, realizing that she was a new shooter, inexperienced, lived in a rural area that might also require dispatching a four-legged critter or two... and recommended she buy a Ruger 10/22... a plain, basic, blued .22LR rifle. A Hi-Point 9mm was a real consideration.

Wait a minute... you recommended a Ruger 10/22 for home-defense? Are you nuts? Well, let me ask you this question: You have $246  to bucks spend. That include gun, ammunition, and sales tax, transfer fees, shipping, etc. What would you recommend to a new shooter for home defense? What pistol, shotgun, or rifle - with ammo - would you recommend within that budget?

Over the years, I have witnessed new shooters... without any instruction beyond "don't shoot your eye out"... take a .22 rifle and hit targets at five to fifteen yards without any trouble. Now I'm not advocating handing a gun to a new shooter without any instruction, I'm just saying I've witnessed it. Pistols take more time to build accuracy skills for similar distances and purposes than a short rifle... and shotguns are a handful for many new shooters. Except for the recent "ammo shortage", .22LR is typically available for reasonable prices to practice with and keep on-hand.

You can find a basic, new Ruger 10/22 on sale for about $219 and occassionally for $199. So in Ohio, that would be about $235 with sales tax. Pick up a box of fifty decent (as in not Remington Thunderbolts or Winchester Wildcats) .22LR rounds for the remaining $11... and you're done... $246 bucks spent.

Truth be told, she bought the gun back at that time... and I gave her a box of CCI Mini-mags, cheap uLine safety glasses, some foam ear-plugs, and some free training with time at our local range. So, just setting aside our judgmental tendencies about her situation in life, why she might be there, or why she doesn't save to get a real gun... the true reality is... she has $246 bucks to spend and extra funds for ammunition, practice, or training are probably non-existent for the foreseeable future. Don't get all judgmental... it's reality for a lot of people.

OK, I know you'll ask why the Ruger over the Marlin 60 or 795, or the Remington 795, or the whatever... my personal experience with semi-auto .22 rifles is that the Ruger is the best overall considering reliability, quality, accessories, value, and company support. Or why the Ruger over a shotgun or pistol... well, what would YOU recommend?

Now, YOU have $246 buck to spend. Here is YOUR exercise in critical thinking for the day...

What would you recommend and why? Fire back in the comments below. The situation is:

• You're recommending a home-defense gun for a new, inexperienced shooter desperately wanting to protect her family via her God-given and Second Amendment-protected rights.
• She has $246 to spend... maximum, that includes the firearm, ammunition, sales tax, transfer fees, shipping, or any possible cost involved.
• Your recommendation must be a recommendation that is able to be duplicated... no one-off, "found a used, mint Model 10 S&W revolver in great condition for $125" on the internet baloney. If new shooters can't find at least a half-dozen for that price, don't recommend it. 
• Disregard the recent ammo shortages and current .22LR shortage in your decision (because it's cyclical and has subsided for most calibers except .22LR), but do figure on current ammunition costs to have enough ammunition to try a few shots with the gun and have it loaded for self-defense,,, let's say... fifty rounds.

Can it be done? Have we reached a point where we're just dead-meat because $246 just won't do it... or have we reached a point where if a Hi-Point 9mm and a rock were our only two options... our egos and tacti-cool, ninja crap would choose the rock over the Hi-Point 9mm?

What are your thoughts or recommendations... for... A home-defense gun and ammo for $246 bucks?