If you want something right now, you can swap that CPU out with a ryzen 7 5600x. It lolls like Amazon has it listed for $220. According to User Benchmarks you could see a 30-40% performance increase over what you have. Unfortunately with the smaller board you can’t really add more ram. Any upgrade to DDR5 is going to be way too expensive.
You could save and wait for things to cool down but who knows when that will be. Once it does happen you should swap the processor, board, and ram. You can also keep an eye on the secondhand market to see if something pops up at a decent price.













Random fun fact, the dude dunking the Dude in the toilet bowl is Mark Pellegrino. He also played Lucifer in Supernatural.