Newegg has the G.Skill Ripjaws X Series 16GB DDR3 1600 PC3-12800 Desktop Memory (F3-12800CL9Q-16GBXL) for $65 with free shipping.
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How much memory do you really need? I have 6GB on my PC and it doesn't come close to getting filled I'm curious about the experience of others.
I used to have 8GB and the memory had to be swapped when Photoshop and Illustrator were loaded with images. Starting a virtual machine would take about 3GB of RAM too. I upgraded to 16GB (same G.Skill, very happy, paid three times the current prices) and I never went over the 16GB. For my purpose 16GB is completely enough for now.
You can find a free RAMDISK utility that can make a 4GB drive out of excess RAM. That would be a sweet Photoshop scratch disk, much faster than any SSD around.