Newegg offers the Thrustmaster Ferrari F1 Wheel Add-On for $169.99. Coupon code "EMCTUTA38" drops it to $84.99. With free shipping, that's the lowest price we could find by $58, although most stores charge at least $169. It features two up/down speed shifters, rubber grips, and detachable racing wheel.
Uncle Sam could take a hefty chunk of your retirement income if you botch this.