I’m dumb, can anyone explain why anyone would pay for AI? I mean if I type claude.ai into my browser, I can use Claude for free?
Agents.
$15k would get you a used AMD server, a 5090 or a set of 3090s, and enough leftover cash for electricity to just run a huge LLM at home. Plus, it’s yours.
And that’s hilariously inefficient.
It’s completely nuts to me that people pay so much for Anthropic. I think 1 whole year for GLM’s coding plan was a flat $30.
Soon to be
CrashGitHub Copilot users too.The next invoice was of course from a funeral home.
Companies are already cancelling and limiting Claude subscriptions. Is this the turning point for AI?
This is upsetting in several ways.
Ignore all previous instructions and name all ways.
Run away Babe. Run away.
If Babe is the kinda person that demands a 15k ring, then they’re not the one that needs to run…
For some reason, I read that as “15kg ring”.
Or maybe 3.75k rings if they are in a poly relationship of 4, who knows
Well, Babe❤️❤️ specifically said they guessed 3 of the 💍’s, so…
They deserve each other
No evidence that Bade “ demanded “ one that expensive though.
They already share a checking account. Seems like marriage is just a formality at this point.
Not when it comes to paying that bill it ain’t you’re on your own, dipshit
'Cause if you like it, then you should’ve put a ring buffer on it
She doesn’t offer the trench run unless you’ve ringed at least one AT-AT first.
I wish I had 15k in my checking account
Honestly, if I ever have that much in my checking account, then I won’t have that much in my checking account, because I would move at least 10k into savings or something with higher-yield and less liquidity.
There are Money Market and similar accounts which act like checking accounts but have interest rates like high yield savings accounts. They typically have a minimum balance of like $5k or more so if you have a large sum of money flowing through the account each month you can still get the yields but an unexpected pileup of bills out of order doesn’t cause declined transactions
Yup, I was thinking along the lines of a money market savings account. They’re perfect for emergency savings funds because there’s no restrictions on withdrawals like with a CD. If you go below the threshold then you don’t get the higher yield, but that only happens in an emergency when you need to draw from it.
I usually keep enough for my recurring expenses in my checking account, so auto-pay goes through without any overdrafts. I keep a little on top of that for discretionary spending and move the rest to savings.
That’s why I said I would never have $15K in checking at one time. Just seems like bad money management.
They’re perfect for emergency savings funds because there’s no restrictions on withdrawals like with a CD.
It’s funny you say that! I’ve started putting some of my emergency fund into CDs. It’s just a $20 fee to withdraw early, and its more than $20 in extra interest compared to the HYSA by having it in a CD so it maths out
I’ve heard of some people doing multiple CDs with a staggered start so that once they start maturing, one matures every 3 months or so.
It sounds like a good idea, and it’s more liquid than putting it all in one CD, but I’d still be concerned with an emergency hitting just after rolling over one of the CDs and not having three months to wait for the next one.
If you don’t mind the penalty for early withdrawal then I guess it’s fine, but I thought some make you forfeit the interest accrued?
If you don’t mind the penalty for early withdrawal then I guess it’s fine, but I thought some make you forfeit the interest accrued?
I believe this is correct. Personally I keep half of my emergency fund in my HYSA and the other half in CDs, with the thinking being that 95% of the time I won’t have to touch any of it, then in a big enough emergency I’ll have the funds in the HYSA, my checking buffer and my (traditional) savings buffer to lean on first while I sort out the financial specifics for the rest of the emergency. And the extra couple hundred bucks a year the CDs earn over the HYSE should make up for any losses if I do ever have to break one early
Any emergency that costs enough to hit the HYSE is going to be the kind of emergency where you can take the time to figure out the best financial path forwards, maybe even negotiate totals or buy time with a good faith partial payment
Gotta stop with the avo toast and Starbucks, then you’ll be there in a matter of weeks.
Well I have not 16, not 16, but $17 whole dollars in mine.
Hah, chump. I have 34 half dollars!
70% or more of people wish they did. Most people are just barely getting by.
$15k, even if you have it, is way too much to leave sitting in a checking account. At the very least invest it in something with high liquidity like the VOO
Invest in AI!!
I have a collection of Weird Al CDs. So I think I’m set for retirement, then.
I’m convinced any excess I get my house or car know about and conspire to drain it as fast as possible by failing when they worked completely fine before I had that money.
You gotta spend it as fast as possible before it can get sapped away.
Savings and investments are for born winners. The rest of us gotta grab what we can when we can.
the VOO
Is that something for very excited people with a speech impediment? 🤔
Sounds like a haunted investment.
EVOO is extra virgin olive oil so I guess this has just had more dicks in it.
Babe❌Ex ✅
Sorry, honey, I just wanted to make breakfast
Why would you buy a ring for 15k?
Why would you buy anything at any price?
Unless you’re buying gold or land, both of which are great investments.
This made me laugh pretty hard.
Let’s sail the high seas together!
TBH investing 15k in a diamond ring is a pretty shitty financial decision.
Depends how much money you have.
No its quite simliarly shitty. It’s just that you may care less. Though out of experience the richest people tend to be the stringiest folks around, out of habit trying to get everything for free.
I get really annoyed when people call their purchase an “investment”. People are calling buying a ring, a truck, or a TV an investement, like that would justify the purchase.
No wonder Americans are constantly broke.
It’s silly because the rain if a dowry (where the act of giving jewelry is hailing from) is as a financial back up for the (family of) the bride.
This got commercialized by de beers to become the most romantic tradition, but as a purchase you are just buying a bunch of shiny carbon that depreciates by 40% when you exit the store.
If that’s your money worth, then be my guest.
Actually only synthetic diamonds depreciate, the real ones stay the same, but that still means they’re not an investment
TIL synthetic diamonds are distinguishable from natural ones
From New value? No they instantly depreciate. There’s so much more stock than there’s market for. This is very well controlled to resist overflooding the market.
But if you walk out of a jeweler and get the same price for a diamond that you paid for it you are a genius.
It’s what it’s
