I built my system over the years buying a piece or 2 at a time. Buy stuff that lasts. So say you want to buy speakers first. Get a couple good towers. Obviously you will need something to power them, so ya, you can find lots of used receivers for $100-$200 that will do the job, then when you have some cash to add on, either get a good receiver, or maybe the used one is OK for now, so buy a sub or surround speakers.
What, in my opinion you don't want to do is spend your life buying mediocre crap that you replace every 5 years. You will probably end up spending more over 20 years.
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