I generally think the most useful lenses for most folks on a budget (and I'm generalizing about the MOST part of the equation) are a basic kit lens like the 14-42, a kit telephoto like the 40-150, and a relatively fast normalish focal length prime. Many folks never go past the basic kit lens. A fast normalish focal length prime just opens up a lot of low light opportunities. If someone does a lot of portraiture I'd probably prioritize the 45 f/1.8 over the normal prime or over the 40-150. And most sanely (I don't follow my advice) you might just work with the basic kit zoom, save the rest of your lens money, and then figure out what the kit zoom really isn't providing for you.