Yea definately thank you for your advice. So I'd need a scrip for this finasteride stuff?
Well you can buy liquid finasteride as a research chem, which a lot of people do. But frankly, it's so easy to get a script for it that you might as well if you have health insurance. Just go to your doc and say "I'm losing my hair" and he'll say "Here's your script."
I believe finasteride in 1mg pills (Propecia, for hair loss) is still under patent, so there's no generic, which means it could be pricey depending on your insurance. But I know there's a generic of Proscar, the 5mg finasteride pills used for BPH. If your insurance won't cover the Propecia, most docs will be happy to write you a script for generic Proscar instead (to save you money) and you can just cut the pills into quarters.
You should read up a little on finasteride before taking it, though. At 1mg daily, it suppresses DHT levels by about 30%, which will help your hair but for some people can lower libido or have other anti-androgenic effects.
If you have very short hair than minox (Rogaine) works pretty well too and is less likely to cause side effects. But if you have longer hair than applying it is really a pain, IMO.