First off, welcome to the forums!
I knew practically nothing about parrots until a little over a year ago, so I think it's great you're here asking questions
I've talked to a few people in my area (Minnesota) who have said that birds from good breeders have gone up a lot in price the past few years. The cost of food and vet care on their end went up, so prices have too. My second parrot was originally from a really good local breeder, but I got him from his first owner when he was still really young - total luck there, but it gave me a better understanding of why the prices can be high.
This breeder did DNA testing on all the birds, and disease tested her entire adult flock yearly. Babies were vet checked before going home. She did a mix of parent raised and hand feeding, so that the babies would be used to being handled by people, but still allowed the parents to do most of the care. It sounded like she sent them home a bit older, to make sure they were fully weaned but also to give them as much time with their parents as possible to help their emotional development. She sent home a month's worth of food and formula and showed the owners how to do supplemental formula feeding for comfort their first few days. After I got my little guy, the first owner sent me the breeder's info and the breeder reached out to make sure everything was going well and see if I had any questions.
This little guy is a pretty common species in my area and I know he was at least a couple thousand dollars (I don't remember the actual number). I think birds that aren't as common would be quite a bit more here.
Maybe ask the breeder near you what all is included in the care of raising the babies while at the breeder, and what to expect when you bring them home. Are they open to working with you via email or text when you have questions (because you will especially the first few weeks or months)? Do they check for disease or DNA test their birds? Do they have other species too, or specialize in Sennies? How do they decide which birds to breed?
Personally I think if a Senegal is the species that really speaks to you, then the cost now is going to be a drop in the bucket in 30 years of living with your dream bird, even if it takes a little longer to save up. I had a foster Senegal over this winter and he was the most amazing parrot!
Some other things to think about - in many ways parrots are more like people, than a pet like a dog. So they do go through puberty and that can be a tricky time if they previously saw you as a parent figure. There is a lot of great advice here on the forums for how to establish a good relationship with a baby, while also letting them learn some independence and confidence, but some people do have a hard time seeing their baby bird's personality change when they mature. My little guy is a total preteen right now, telling me No all the time and refusing to go to bed

It's not something that would prevent me from getting a baby (obviously) but it's something I didn't know about before I joined the forum.
I do think there are advantages in having a bird from babyhood, because you aren't having to "undo" things they've learned or experiences they've had. My first parrot was a rescue and he does have issues from how he was previously raised. There also are absolutely incredible birds that are adults, like the Senegal I fostered - I adored him!
Do you have any rescues or sanctuaries near you where you could meet different species? I found it really helpful to be able to hear the normal sounds of different birds. For example my foster Sennie's high pitched contact call could be heard at the end of my block with closed windows

but otherwise he was a very quiet chatter type of guy.
Ok I am just going on and on

but again, welcome! And I hope you keep us updated on your journey and have fun learning!