Cost break down of hifi system

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?

2 Dedicated 20A circuits, and audiophile power receptacles (Cardas, PS Audio, Furutech, Oyaide)

Solid DAC (Denafrips Pontus II, Holo Audio Spring 3 or May DAC)

Great value interconnect cables (Morrow Audio, Cullen Cables, Lavri Cables, DH Labs)

Great value signal cables USB, Ethernet, I2S HDMI: Supra Cables, Wireworld, Audioquest, Oyaide, DH Labs

Great components that will leave plenty of money for the streamer of your choice

If you need a CD transport (no DAC) Audiolab 6000CDT, amazing transport for $600