Paying for our retirements? I worked since 14. Many did same. Today? Can't get off the sofa. So you are paying for our financial investments? Our pensions we earned? The 40-50 years we paid into the SS systems? The supplemental insurances we have to buy to cover medical costs not covered by Medicare? Really?
The first thing I see is the need to have things and expenses that we did without. We drove less than desirable vehicles that were not status symbols into the ground, $2,000 phones? Our philosophies and decisions are different. My 2009 Ram 2500 4x4 gasser has over 215K on it. Still runs fine. No need to buy new. Subscriptions to whatever? Lot of us were one income families which limited us but we made do. The list is endless. Most here worked their butts off to get where they are now.
If we could buy a $10K shotgun, we would have dragged it thru the briars to shoot bunnies. It is a tool. My walnut wood stock rifles look more like I beat the game to death. Every mark is simply character added to each rifle that I can feel and relive. Sometimes it is good and bad.
I started reloading 50 years ago with cobbled together from hand offs, garage sales, newspaper ads, whatever. I still have same Lyman balance beam, Lyman powder measure. Stuff Older than most people here. Time is never part of any equation.
Reloading is a deep personal connection to both hunting and shooting. No different than crafting your arrows, tying flies, making lures. Shooting an animal with something you made adds to the total experience. Includes building your own rifle. Today you can assemble one with parts and barrels made to your own specifications to increase performance. Catching a fish on your fly or lure no different. I call these activities emotional investment into things you love to do. There is NOT one person IMO that doesn't take that completed round and look at it with a connection "I did that". Many even envision that buck, bull, cow, whatever getting whacked. I tie salmon flies and "I know" it will catch a 30lber!!
There is pure simple pleasure crafting ammo or whatever that remains within your core. It adds to your outdoor experiences. JM2¢