The last 5 or 6 years I was working, I planned for my retirement both financially, as well as by stocking up on components for reloading. I retired 3 years ago, and figured by being on a fixed income, it would be smart to have as many components on hand as possible. So I could still shoot as much as I like.
Now that I'm 3 years into retirement, I have yet to reload a cartridge, in spite of shooting far more. (I usually average 2 trips a week to the range). I'm finding a couple of reasons for this. First, is the fact the more common calibers are really cheap since Trump and the Republicans were elected. I can find 9 MM FMJ for sale around me for as little as $ 9.00 to $ 9.50 a box. Even cheaper online. It just doesn't pay to reload at that price. Even if you buy the components in bulk. .45 ACP is $ 12.00 to $ 15.00 a box if you shop around online. I still save all the brass however.
As far as high powered rifle, I've found I have so much stockpiled it will be years before I need to reload for them. I'm also finding that I'm not shooting cartridges like .30-06, .300 Win. Mag., .300 Weatherby Magnum, and .375 H&H as much as I used to, now that I'm getting older. And when I do, I'm not shooting as much of them as I did 20 or 30 years ago. Let's face it, the older you get, the harder it is to take all that recoil without getting sore. And shooting should be fun, not painful.
Lastly was the very pleasant fact that I found that after I retired I have more money coming in than when I was working. My tax liabilities are far less, and many of my investments are paying far more than I thought they would. We have no children, and my wife is very frugal and doesn't buy much. So financially it's all working out better than I thought it would. Especially now that I'm on Medicare, and I don't have health insurance worries. (The last 2 years I was working it was costing us a fortune for good coverage).
Probably the one caliber I will eventually reload for is .223 / 5.56 MM, to keep all my AR-15's fed. I have a lot of brass and components. And I can buy ready to load brass for just $ 265.00 for 2,500 cases from here.
http://www.evergladesammo.com/popular-products-front-page/556-processed-military-brass-500-pieces.htmlFor that price it's worth it not to have to mess with resizing, depriming, trimming, and cleaning. It can go straight from the box, right into the press. And .223 is still expensive, going around here for $ 6.00 to $ 7.00 a box of 20. Or $ 300.00 a case of 1,000. So that is still worth my time on a Dillon progressive to reload them. I'm happy about all of this, because the older I get the more I like shooting. And the bigger chore reloading becomes. It's not that I "hate" it. It's just far more fun to pull a trigger, than it is a reloading press handle.