$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 1T parameter LLM at home. Plus, it’s yours.
And that’s hilariously inefficient.
It’s completely nuts to me that people pay Anthropic per token, at that rate. I think 1 whole year for GLM’s coding plan was a flat $30, or something.
fr, I mean, Mac Studios cost a third of that and are excellent at LLMs
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.
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?
No, this is just things repricing
A few problems with this, off the top of my head:
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They’re presumably not even engaged yet, and yet they’re sharing a checking account?
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Who the fuck would spend $15k on an engagement ring?
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Why the fuck would you have $15k sitting in checking?
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What dumbass ran up a 5-digit bill on an LLM API?
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My now wife and I had a shared checking account before we were engaged. We lived together and had shared bills, so we would both just put what we could into the shared account and pay the rent and utilities from there.
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My wife’s ring is moissanite and cost like $900 at the time, she still pretty consistently gets compliments on it. I spent what I “saved” by avoiding a diamond on a down payment on a house back when that wasn’t 100k.
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I didn’t have a savings account until my wife and I fully combined our finances. My checking was my savings. I’m not a big spender so it was never a problem.
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I got nothing here.
To help with 4)
Pricing models changed last month, and what was $500 is now like $15,000
There has been a lot of news of people hit with unexpected bills larger than that
That fucking sucks and I would say I hope they sue, but honestly they’re kinda dumbasses and I find it hard to sympathize with dumbasses. I hope they all cancel their accounts though and finally burst this AI bubble, since this was the endgame all along.
Also, laws are so bullshit that any lawsuits would just get dismissed with “shoulda read the terms and conditions” nonsense…
Fair enough, I guess there are exceptions to every rule. I’m not here to judge people’s life choices, but honestly you’d have to at least be pretty confident you’ll spend the rest of your life with someone in order for sharing a bank account to be even remotely a good idea. Seems to have worked out for you and your wife though, so that’s nice.
You were smart to save money on the ring. It’s crazy that that’s even viewed as a “cheap option”, even though it’s nearly $1000. But yeah, spending what could be a down payment on a house or a college fund for future children on a ring is a stupid societal norm that should be relegated to the past.
But seriously though, read up on moneymarket savings accounts (at least), as well as certified deposits and mutual funds (if you haven’t already).
Briefly:
- A moneymarket account functions like a savings account, but typically has a minimum deposit and a higher yield (maybe 1-2% APY). Often the yield increases by tiers based on how much is in your account.
- A CD has a slightly higher yield but it’s illiquid for a set period if time. You might find them offering 2-4% APY, with the agreement that you won’t touch the deposit until the time expires. If you withdraw early you typically lose any interest gained. But they might mature in 6 months, 12 months, 24 months, etc., and you can stagger them.
- (Say you make a new CD every three months, well once they start maturing you have one maturing every three months. You can roll them into a new one if you don’t need the money right away, and keep it going indefinitely, but the illiquidity isn’t as big of a problem cause every few months you have a chance to withdraw)
- A mutual fund is basically like buying stocks, except instead of buying a share at a company, you buy a share of a fund managed by a professional who buys and sells on the stock market. As such, it’s higher risk than CDs and money market account, but lower risk than actual stocks (because it’s managed by people who know what they’re doing and it’s their job to monitor positions). It’s also more liquid than a CD, there’s typically no long-term commitment. The yields can vary widely (as can anything on the stock market), but typically they’re less volatile than individual stocks, meaning they’re a bit more stable. A well-managed mutual fund can deliver between 5-10% APY fairly consistently. Some might even have specific criteria for their investments, like if you want one that only invests in certified B corporations with good ESG scores (ethical standards, basically).
Basically, if you have more in savings than you need on hand for recurring expenses, emergencies, and specific things you’re saving up for, you should find some higher-yield account types to put the rest in based on your needs and risk tolerance. But even your emergency savings could probably be in a moneymarket savings account because it probably meets the threshold for a somewhat higher yield.
It’s not so much about accidentally spending too much, it’s more that checking accounts and regular savings accounts yield a fraction of a percentage as interest, which when adjusted for inflation means you’re actually losing money with it just sitting there.
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god i hope this isn’t real lol
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.
Let’s sail the high seas together!
This made me laugh pretty hard.
TBH investing 15k in a diamond ring is a pretty shitty financial decision.
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
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.
she sells sea shells on the sea shore or something
TIL synthetic diamonds are distinguishable from natural ones
Yes they are closer to flawless
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.
It’s what it’s
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.
70% or more of people wish they did. Most people are just barely getting by.
Gotta stop with the avo toast and Starbucks, then you’ll be there in a matter of weeks.
Well I have not 15, not 16, but 17 whole dollars in mine.
Hah, chump. I have 34 half dollars!
$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
I’m convinced any excess I get my house or car know about and conspire to drain it as fast as possible. They’ll fail even when they worked completely fine before I had that money.
Looks like you got a nice $2k bonus… be a shame if this radiator suddenly burst and even the mechanics can’t explain why. Must have been a factory defect.
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? 🤔
EVOO is extra virgin olive oil so I guess this has just had more dicks in it.
Sounds like a haunted investment.
Invest in AI!!
I have a collection of Weird Al CDs. So I think I’m set for retirement, then.
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
Sorry, honey, I just wanted to make breakfast
This is upsetting in several ways.
Ignore all previous instructions and name all ways.
Babe❌Ex ✅
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”.
Although, she might have meant 5k rings. 3 of them. 1 for her, 1 for him and 1 for whomsoever they are going to adulterate with.
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.
The only acceptable response for a woman with brain cells is „Wtf were you thinking?“
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