$100K system build - % breakdown of spend

I think you did a pretty good breakdown… but I would split the preamp / amp funds 1/2 each or more to the preamp… really important.

I completely agree with the speaker investment… I would combine the funds of sub woofer into the main speaker… or get 2… always add subs in pairs. Speaker differences in the $20K to $30+ are substantial in my opinion.

I usually spend all I possibly can on components… then over time add the other tweaks. More on the DAC…. $7.5 and if you can on streamer $7.5K (maybe used to get a really good one and you can get very vinyl quality from your streamer.

some context on where you are coming from….room size, spl, solo listener in sweet spot or ? 

IF you don’t know where you are going, any $100 k toll road will get ya..there..

does the following ballpark seem reasonable? If you’d bump something up, what would you bump down?

I have an older modest system.

On the TT side I could easily spend a lot more than the 10k. But one can also spend less. I know could spend that on a cartridge and phonostage.

I would be starting with speakers, and leaving off all the interconnects and power conditioners... as well as bumping down the DAC and streamer.

The speakers will help inform the amplifier(s) you may want.

What you have now would be good to understand. Maybe you could do some of it in stages?

Or is it just some rhetorical concept of where to spend the money?

Interesting question.  I have been lucky in that I had a business for about 15 years so got to have a bunch of gear in and out without personal expense. 

Of course much will depend on your musical tastes.  Don't have strong disagreement but depends a bit on your room.  If your room is good already, you need to spend less, if its not, you might do well to spend more.  

Regarding speakers and subs, the numbers very reasonable but its not always simple to integrate subs and there are some pretty good speakers with decent bass to avoid this.  Just my opinion of course.

In my experience I noticed more from having a good preamp than better amps, but again just my experience.

Above all, enjoy the journey.

I would bump the speakers and subs. $100K might not be enough.

https://youtu.be/QnjaD10201U