I probably can't add much to the discussion but I am with those that reload for a variety of reasons and the savings is a part of it. I do reload 9mm since I can then choose my own bullet weight instead of relying on somebody to carry it. I like 124 and 147 grain 9mm rounds and all I ever seem to find are 115 grain. Plus I also started loaded, and got great results from, 200 grain jacket flat nose bullets from Montana Gold Bullet in .45 ACP. Now those you can save some money on, but as others have said, it is as much about spending time learning a skill, doing something that involves your hobby and just having fun as much as it is trying to save money over factory.