I am in the middle of a 'Fish-in' cycle now and take it from me, I wish I had known about the 'Fish-less' cycle before I populated my fish tank. Fish-less cycling can take a few weeks normally and your tank is ready for fish. You spend a small amount of money on ammonia and de-chlorinator. When doing a fish-in cycle however, you will spend a shed ton of cash buying loads of de-chlorinator due to the vast amount of water changes needed. And when doing a fish-in cycle, you subject your fish to alot of ammonia and nitrites that are toxic to them and can kill them.