RH, how tall are you? Do you think you can do basic bike set up? If not can you learn from short You Tube videos? If you can, you are a good candidate for mail order, and your dollar can go much further ordering online.
Avoid Wal-Mart bikes. They are heavy, poorly built and often assembled horribly.
I'm 6'2 and wear 32-32 jeans. I was looking at that online shopping link posted. I'm hopefully handy enough to figure stuff out.
Yea,I've met some of the assemblers at Walmart. I know I can do better than that.