You can finetune whisper, stable diffusion, and LLM up to about 15B parameters with 24GB VRAM.
Which leads you to what hardware to get. Best bang for the $ right now is definitely a used 3090 at ~$700. If you want more than 24GB vram just rent the hardware as it will be cheaper.
If you're not willing to drop $700 don't buy anything just rent. I have had decent luck with vast.ai