I got all of my gear used that was how I managed it.
Toshiba 65H84 I purchased from best buy open box item for $2000 w/4 year warranty
Toshiba SD-5970 I purchased from best buy for $150 (The only new piece in my system)
Carver AL-III's I purchased from my local high end retailer Ovation for $400
The Magnepan MGIIIa's and the MGIc's I purchased from a person off of Audiogon for $900 (both pairs)
Velodyne CHT-8 I purchased for $80 from a local pawn shop
JBL PB12 I purchased from a local pawn shop for $150
Yamaha RX-V620 I purchased from a local pawn shop for $200
Crest Audio Vs450 I purchased from a local pawn shop for $300
Carver Pxm 450 I purchased from the local music store for $450
I made all of my own cables so I saved a ton in that respect also.
I do believe that if my math skills are correct the total cost was $4630 which after wires,interconnects and odd and end stuff it was arround $5k.
You can put together a system as good as mine for the same price, all you have to do is look hard enough and be patient enough. If anyone would like me to help put together a system I would be happy to help (no matter the
budget)
Happy Listening.
Greg