I made a stupid mistake. Not once, but several times. Fall in love with a new game, find it on a Steam sale a few years later, then buy it only to find my machine can't run it.
My current specs:
i5-4440, 32 GB DDR3, 128 GB SSD (system), 1 TB HDD (software), nVidia GT 635 (OEM)
It's a Lenovo that I bought 5 years ago or so, it's been solid if not spectacular.
I knew the GPU was next on my upgrade list, but had been holding off because of what concurrency did to the market. I'm a disabled vet supporting a family of four, so money is always crazy kinds of tight. After seeing the video about how much of a waste of money cards like the R7 240 are, and knowing my budget is not going to ever reasonably grow to accommodate anything a real gamer would ever consider using, I did a little bit of soul searching. Considering I'll have to save for another five years for a GPU and a PSU that can drive it, I had an epiphany. By abandoning the games my machine cannot run, and sticking with the seven year old MMO my wife and I play (on the lowest settings) I don't need an upgrade at all.
Problem solved.
TL;DR The cheapest upgrade is to lower your standards/don't buy new games