I'll throw my 2 cents in. I wouldn't want a MMD. Even as a broke teenager I chose amethysts until we could afford a mind diamond. Now decades later I'm only interested in FCDs in diamonds and probably will never buy another colorless unless its melee in a ring.
I do see lots of young women around me with obvious (to me) MMD or moissy's as they are barely surviving but have 2 cts on their fingers. Everybody is different I guess.
How could you tell a MMD from a natural one? Assuming you do not know the person's financial income at all. I am looking to buy a MMD because so many online sources claim there is little to no difference though I've yet to see one in person myself.
I guess I should clarify and say it's an educated guess that it is not a mind diamond due to financials, because I certainly don't mean I can see the difference in natural vs MMD (as they are chemically identical, right?). However, I have been able to spot moissanite on numerous occasions. I don't have the technical jargon down, but the way the light hits it is a give away. I have read that they now are making moissys more colorless and cutting them differently, so perhaps I wouldn't be able to tell them all apart now or in the future.
I agree with Bron above, about buy what you can afford and love. But I would urge you to read about Lightbox selling MMDs at a very low cost next month if you haven't already. Some are of the opinion that the value of MMDs will crash once this happens. This still is not an attempt to dissuade you. Just don't over pay if you go that route.