Well to be fair, he's here so that would be the first step into taking his time
I'd say the Philharmonics are one of, if not the the best deal there is out there.
Parts express DIY consists of screwing the woofer to the cabinet, tightening some wires, and screwing the plate amp to the back. Not bad for about an hours worth of work.
That being said, the above advice isn't bad at all. Its good solid advice, but then again maybe you have job security and got a great scholarship. I would say waiting until you have a solid retirement savings would probably be waiting a bit long, but the 6 month emergency fund is definitely a good idea. As is being debt free, if I was in any sort of debt, I would still be using my logitech z-5500 5.1 setup.
Also, rushing is bad too.