Age old saying "If you have to ask, you can't afford it."
The truth is, if you do what you love, it isn't working. I loved my work, and am enjoying being retired from it, but I do miss the friends I made while working. Reloading for me has and will always be enjoyable. I didn't enjoy it the last time the craziness caused the prices to get stooopid. So, I stocked up when the prices returned to normal. Then I loaded every case I had, and kept ordering supplies for times like these.
I do have some coffee cans of empties from earlier this year, winter is coming. Right now, yard work takes precedence. My favorite time to cast and load was always baseball season. Right now, I listen to baseball while whipping the yard into shape. This winter, I will likely find something else to listen to while I cast, load the empties, and cast some more. New to me rifle needs boolits to test extensively (code for shoot the heck out of it) and my handgun skills need tuning up.
The cost was always a consideration with regard to how much more I was saving over factory. Having a case of ammo that is not on a shelf anywhere to be found is priceless, having a bunch of ammo to train new shooters (nephew has a new pistol) is great to be able to share that time with family.
Sons in law are all shooters. 9mm is cheap to shoot in guns chambered for 40 S&W with drop in conversion barrels. Then, transition to shooting 40. I like to teach, they like to learn. Wife likes to teach as well, and she is better at getting some drills down with new shooters, and shoots very well with both hands.
Sometimes, it is just the Wife and I, time spent in the hills picking up brass from shooters who don't reload, and then shooting our own, which keeps the the shiny once fired brass separated from our own. (I still keep track of how many times reloaded, etc.)
I also enjoy going out with new shooters who (cough, cough) buy factory to shoot in their first new pistol. 'Put that away, save it' I say, and then let them go at it with my rounds. Once I explain that they could shoot more for less, they start scrounging for lead, picking up their own brass, and coming over to learn how to cast and load. Lots of 'teaching moments' evolve into a barbecue, and that's something you can't put a price upon.