I upgraded to a GTX1060 6gb recently and it's an amazing card for the price and overkill for FFXIV. Most any modern card is now, since FFXIV, while pretty, keeps a very modest asset budget... as most MMOs do. Even my older 760 GTX was keeping 30 FPS on maxed FFXIV at 1080p. Of course, you probably want to some play other games (lookin at you Conan Exiles), and 1060 should keep up for a couple years.

If you don't have a solid state hard drive (SSD) yet, you might consider budgeting for one eventually. A decent 512gb SSD should run ~$150. That will make everything you do snappy (no HD seek times), including loading screens. I usually only see loading screens flicker by now. I've heard horror stories about minutes spent loading in Idyllshire, but for me it's only ever taken a second.