Just be more patient and you can find used GPU at affordable price I'm sure.
Previously, it took two gens for a top tier GPU to fall so low in price it's hard to justify efforts to sell it (GTX 680, for example, cost about 100 dollars in 2018 when it turned 6 years). Today, same level old 2080 Tis still are sold for more than $250. Ampere cards are also still expensive. Ada Lovelace GPUs, even used, are horribly expensive. With upcoming GPUs being even more expensive, it'll require me to abstain from upgrades till my very deathbed for good upgrades to be available on acceptable terms.
Progress is currently excruciatingly slow: previously, $300 GPUs made fun of $600 GPUs of the last gen (GTX 1060 VS GTX 980; HD 7870 VS HD 6970). Today, $300 GPUs match or slightly defeat yesterday's $300 GPUs. You can account inflation and DLSS all you please, it never denies the fact we need a full-scale price war but we can't get one because there's literally not a single company to unload grass for NVIDIA to touch. Notice I'm not even saying, "enough grass."
5080 will be a very expensive piece of rubbish. 5090 will be even more out of reach. 5070 downwards will just be a smidge better than their predecessors and won't cost noticeably less. We'll probably see some good news on the lowest end where Intel and AMD still have their saying but something more than casual gaming will be a millionaires' thing for a long while.