"...VAST majority of what you're paying for is good, cheap labor(sic)..." Nope. You're paying for the load developement by well paid ballistic engineers and well paid, union, factory workers.
"...might be making 10 dollars an hour..." Can you live on that?
In any case, reloading isn't about saving money. It's about using the best possible ammo in your firearms.
"...My first gun was a Weatherby 240 Magnum..." She's right. Snicker.