I too am on a budget over here. The speakers I've got are really the prize pieces of the stereo cost-wise and I picked them for their sound AND the fact that they're extremely revealing of upstream gear. That characteristic suggests a very high degree of neutrality and transparency. I spent the money on them because I'm quite certain there's no possible way for me to have built anything that comes close to them for anywhere near the price. Everything upstream of the speaker's terminals was either built or rebuilt by me with the exception of a couple of interconnects. That's saved me a big pile of money. Who else here is enjoying 50 watts of Pass power for under $1000? That's what I'm talking about.
My advice going forward is learn, learn, and learn. Understand the specs. Understand what impedance is and what it does at different stages of the audio chain. Learn modes of operation for gain devices. Learn basic topologies. Seriously consider building what you can. Cables are easy to build. Some amps are very easy to build. Buffer pre-amps are easy to build. I'm learning that Raspberry Pi-bases DAC sources are actually quite easy to build. My only complaint with Eric's suggestion that folks build speakers is the cost of acquiring a wood shop if you don't already own one. On the other hand, you can build a stunning amp with not many more tools than a screwdriver, a cresent wrench, a soldering iron, and some wire cutters.
My advice going forward is learn, learn, and learn. Understand the specs. Understand what impedance is and what it does at different stages of the audio chain. Learn modes of operation for gain devices. Learn basic topologies. Seriously consider building what you can. Cables are easy to build. Some amps are very easy to build. Buffer pre-amps are easy to build. I'm learning that Raspberry Pi-bases DAC sources are actually quite easy to build. My only complaint with Eric's suggestion that folks build speakers is the cost of acquiring a wood shop if you don't already own one. On the other hand, you can build a stunning amp with not many more tools than a screwdriver, a cresent wrench, a soldering iron, and some wire cutters.

