Cost break down of hifi system

+1 to the recommendations of @hilde45

Speakers and room are a system unto themselves, and the positions of the speakers and listener(s) in the room are part of that. As are any acoustic treatments you add -- and their importance in many rooms is hard to overstate. One cannot get really good sound in many domestic rooms without attention to acoustics. And no, I don’t mean a few shelves of CDs at random depths.

I have not found much value in expensive cables. IME, they act as fixed tone controls. Yet, if you have wide musical tastes, you will find that the tonal balance of recordings varies quite a bit, so cables that work best with recording A aren’t best with B. Some people get on a cycle of gear replacement. If that variation in tonal balance bothers you (as it does me), I suggest considering a good equalizer like the Schiit Loki Max. For the price of one pair of fancy interconnects, you will have flexibility and control. It’s amazing how quickly the desire to change equipment can diminish once you have that control.

P.S. About cables. I found that upgrading to better versions of my Analysis Plus IC's and speaker cables allowed a clearer, more transparent signal through. (I did not spend a bundle on them and I got them used.) Because I have a tube dac, preamp, and amp, there are many ways to tweak the sound down the line from that nice, clear source. Indeed, based on things @decooney and @djones51 and others have argued, I'm currently trying a non-tube DAC (the Schiit). For me, the objective is to retain the tube sound I like by flavoring what is initially the clearest signal from streamer and DAC. Keeping various forms of noise away from those sources is a concomitant requirement, of course.

I found that I keep speakers longer than anything else.  So I would invest in a pair of speaker you really like even if you can't afford the level of electronics and cabling to support.  Buy the best used electronics you can with the remaining cash.  You will most likely begin upgrading as your learn about your speakers and room.  For me, cables are the last thing to really spend on.  Don't get me wrong cables can move your sound in a lot of directions but you can buy pretty good cables also on the used market until you really know what you are looking for.  Resale is potential is probably more important than specific items at your budget while you figure out what you really want.  

"Get it right the first time". 

Where's the fun in that?