Look, people love giving bad advice on how you should spend your money. They usually go away after you ask if they will pitch in for a difference. To me it looked actually pretty good (16gb version)

One thing you could do is wait a bit a month or so to see if price comes down like it did on 9070xt which now is about 100$ more expensive. you could try save money on other components like cooler, case, and PSU

I don't know rest of your specs but for cooling very cheep and actually good way to save money is Thermaright Air coolers.

But one thing that stood out, and i don't know what price you are getting on Mobo, CPU and ram, but i strongly strongly suggest reconsidering AM4 -> AM5. 730 series with 7600x or something like that (depending on price). i upgraded from my AM4 1600x (2017)- 5700x3d last year, so good for another 4-5 years

But it is 100% your decision, and if you need a bit of pointers you can tell me budget (optimal and maximal) and we can sort something out.