When you upgrade your desktop PC, plan for it to be the home server after that.

I got a rackmount case to transplant my old desktop montherboard into every 5 years. I also got a 4-port NIC so it can also be a router. My server is a 4th gen Core i5 and it’s still plenty of power for a home server.

If you’re a laptop guy, I’m not sure what you’d do.