As Dellboy says, it's a hobby of it's own and if retirement is looming you're going to have time to indulge in a new hobby.
For me it's not about saving money, it's about the satisfaction of getting the best accuracy out of your rifle possible and learning about how to do it. I've worked my way out to reliable 1200m loads now and have had a lot of enjoyment getting there. The journey is never over and there is always a new challenge or theory.
It has cost me a lot more that if I had bought factory. The kit, the testing, the time. But for me it's a hobby. Shooting 1" 300m groups makes me happy!