KK will try those ideas and I'm not sure what you call "good money" but I call $3400 pretty damn good.
You can pay $3400 for one of Pamela Anderson's implants, so $3400 doesn't mean jack.

We need your SPECS to get to the root of the problem!
-Processor name/speed (can be found by right-clicking My Computer and selecting Properties)
-amount of RAM (found on Properties page also)
-Video card name/amount of vRAM (easiest way is to go to Start-Run and type in "dxdiag" without quotes. Click on the Display tab and it will display all your card info)
btw if you or your parents dropped $3400 dollars for a computer that runs as crappy as you're describing, then you
seriously got took.