I agree with Kthomas -- my system is very nice and I spent less than many people spend on a car (Sierra Denali amps, Montana KAS, MIT Oracle V2, Sierra pream, Perpetual Technologies with Wright mods, California Audio). I tell my wife that a mid-life crisis spend on audio gear will get me in a lot less trouble than spending the same money on a hot car (frankly, I'm not at all convinced that the hot car would do much better, but it makes a good story);-)
As others indicate, you can get a fine system for well under $10,000. For example, I owned a couple of Bryston 7B-ST's, the Bryston preamp and Thiel CS-6's that I'm in the process of selling to my neighbor at blue book (around $8,500 with lots of cables etc. thrown in) -- that is a very nice system! I wouldn't have parted with it unless I ran into some great deals on something far better (and more expensive). You can find great deals on Audiogon! The new systems at full price are for folks who have the money and want the help. If you know what you are doing (or are a good researcher), you can latch on to great deals.
Do some searches on Audiogon and I'm sure you'll come up with a fantastic system for not too much money. Over time, you keep upgrading and spending more, but it's a lot easier on the cash flow than doing it all at once. I'm not rich but do OK -- I guess if I made less money, I'd drive a used car and look for deals on Audiogon and elsewhere. Good luck.