Thanks Homeap5,
Seriously thanks, I'm so used to being several generations behind using office castoffs from work that really I just wanted something I didn't have to worry about for a while if I wanted to continue to invest in newer games.
The reason i'm budgeting $250 is because i'm looking mainly second hand and i stumbeled upon a MSI Z390-A Pro with an i59400F and wondered if it was worth my time at their asking price of $250 even if i had to buy a ram kit as well. I also found that if I went with a 4th or 5th gen intel chip there were plenty in my area for that price range that included cpu, mobo and 16-32gb ram. Again my big issue is that I don't know what can be deemed a good investment vs a foolish one.
This upgrade is less about performance now and more about sustainability going forward since I rarely have the cash to spend on equipment and upgrades.