TeamGroup Vulcan Z 32GB is your best bet.

Yes, under $100 you can get a solid 32GB DDR4 kit for gaming, and the TeamGroup T-Force Vulcan Z 2x16GB 3200MHz CL16 is the one to pick.

It’s usually around $85–95, runs at a sensible speed and latency (3200 CL16 is the sweet spot for Ryzen and Intel), and has no RGB or fancy heatsinks to waste money on. That means you get reliable, dual-rank sticks that won’t fight with your CPU cooler or your budget.

Cheaper kits sometimes drop to 3000MHz or higher CL timings, which can cost you a few percent in gaming performance. More expensive ones add lights or aluminum fins you don’t need. The Vulcan Z just works, and it’s been in enough builds that you’re not gambling on compatibility.

Don’t overthink it. This is the cheapest way to get 32GB without sacrificing speed or stability.