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But that $240 got you 2500+ rounds... Not 500.
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I need them, I load them, and I do enjoy handloading and it's terrific that I don't ever have to go shopping at guns store or Wal-Mart for ammo.
That $240 got me 3,000 115gr 9mm slugs. To make them in to something I can use, I'm adding:
$105 in primers (buying them 5k at a time)
$31.34 in powder (buying it eight pounds at a time)
...and three thousand pieces of 9mm brass.
And the time it takes me to put all those things together.
The math definitely makes it worthwhile and for me, the hobby angle of it is even more rewarding. But the point is simply that a guy who hasn't ever reloaded before can't make a box of my light .38 Special load for the $4.50 that it "cost" me to make them. Not until and unless he's spent hundreds of dollars buying those components in bulk and we've not even addressed the tools and procedural skills he'll also need to assemble.