Well, I'll probly be buying some 6.5" Dayton woofers and some 1-1/8" silk dome tweeters, and just making myself some nice bookshelfs.
DON'T do that yet, if your box building skills aren't up to par, you may find that the increase in quality is....well, not there. Don't jump to that solution yet.
Since anything nice just seems to be really exspensive

I found my Yamaha's in the trash in front of some random guys house, I find great deals in goodwill/thrift store ALL the time. I once bought a MINT old set of celestion monitors for $19.99... here's the stuff they make today
http://www.celestion.com
Dont really think I'm ready for some quality audio, dont really have the big bucks to afford anything.
DON'T settle for junkers, you can find great sound, you just have to listen to a bunch of speakers, and look in the right spots
I'll be heading up to parts express tommorow to pick up my drivers, so if anyone feels differently, speak now, or forever hold your peace

I did
/edit and yah, I fixed my headphone issue, my EQ was just set for my speakers, so I tuned it for my headphones. I ditched my hand-me downs btw, I was just sick of em.
Well, at least you did one part of the equation right!