I'm super lucky, I have 32 gigs and a graphics card. It's just a 3060 ti, but it'll do for now. CPU is a bit shit, BUT since it's one of the lowest end CPUs of the second to last generation on AM4, I can go forward a generation AND get hella more cores with higher clock rates. Lately I use my PC more for work than gaming, so extra CPU cores will carry it till 2027 or 2028. 300 euros will take me from 6 cores/6 threads (ryzen 5 3500x) to 16 cores/32 threads (5950x) lol

I did want to upgrade from 32 to 64 gigs too, but that won't happen on this rig.

Put it this way, I'm waiting for DDR6 and AM6 now to buy any more RAM. Just a full on platform upgrade and I'll make it a company computer because I work on it. Will save like 60% because taxes (social tax, income tax, VAT). I feel entitled to this because I've honestly paid a fuckload of taxes over the last 5-6 years and over half the money I've made in that period has been from abroad, so a lot of it is money that wouldn't even have been in my country if not for me! Sorry for the rant, people on lemmy get a bit angry about tax optimization, but I honestly haven't been doing it much, I just occasionally try to find legitimate business expenses and... pay them as business expenses. Because things I buy as a private person literally cost me more than 2x more than same thing as a business expense.

Edit: Just a thought, but maybe try to source used RAM when you do it? Or build on a workstation or server platform and get used RDIMMs lol, they tend to be a lot cheaper than used normal DIMMs, because desktop platforms can't use them.