The speaker choice is critical to the balance of the expenditures. I am a Maggie guy and they require much from their amps. I have 750 wpc bench tested and those are not inexpensive. On the other hand, if you prefer highly efficient speakers you can use SET amps and anything stronger, giving you a bit more flexibility in your amp budget.
Only when you look at the entire picture of your system can you allocate your budget properly. Sources also are key as the expense of quality vinyl is different from streaming, CD or even R2R.
It os a complex algorithm and certainly not a one size fits all IMHO