Duuuude running an AM4 DDR4 system IS the most value for your money right now. They just announced the retirement of AM5 in three years. Its most efficient to buckle in with the best parts of the last couple year till we wait for the next series of hardware
DDR5 AM5 The 50 series RTX cards
All not fucking worth it for compute/price
Im not poor poor but I'm not rich and I always shop saavy
I maintain my AM4 socket 5700x3d RTX 4070s system is the most you can max out your system for gaming without dropping money you don't need to drop.
If you want to be efficient with your dollar you will always be picking up the parts that came out last year.