EDIT: or buy AAPL. If I had bought Apple stock instead of buying a Mac LC II in 1992, then I would have about $2 million in Apple stock.
If treasuries “fail” we have a different class of problem.
???
30 Day SEC Yield as of Aug 24, 2026: 3.61%
12m Trailing Yield as of Aug 24, 2026: 3.74%
https://www.ishares.com/us/products/314116/ishares-0-3-month...
1.39% might not seem like a lot, but that's off by more than a quarter.
For general inference there’s no ROI that makes this work vs subscriptions.
25k for computer now, plus 9-10% sales tax, plus operating cost, plus time and cost for R&D tinkering with models, harnesses, and infra (assuming highly capable engineering talent that can get paid for your human inference) vs a HEAVILY subsidized subscription at 200 per month with free R&D has a pretty long ROI (15 years?)
At API costs, it’s like 6 months if you’re heavy on inference. For training, specialized models will have their own ROI that makes this worthwhile. Then debate renting capacity and the platform to choose
If you can settle for a M5 Max base model that would be a $49/month lease.
Today, you should be able to run Qwen 3.8 - 27B amazingly well on either which is giving comparable performance to 5.6 Luna on SWE Bench. The local models are now getting better and more efficient and this should give you headroom. Tools like turbo fieldfare are really reducing the memory requirements to run large models and I don’t see it stopping soon.
Unless you need privacy for your inference this instant, paying for credits can get 80 to 90 percent of people everything they need.
Of course if you do need that privacy, then forking the $25K over to Apple is a no brainer.
There are both cheaper and faster options out there.
Depends on where you live. Also keep in mind population decline so long term, im not so sure. Prices already dropping in less desirable places (everywhere outside of most blue areas) (Assuming you are talking about the US sorry if not)
… I wish I hadn’t just calculated that.
You get what you pay for.
In RTP (NC), a ~$400k house at 5% down is $20k
problem solved /s
16GB $239 - $15/GB
32GB $800 - $25/GB
64GB $1,600 - $25/GBPut together a similar build with a couple of rtx 6000 Ada cards and Apple's price tag suddenly looks pretty damn reasonable
They’re very different things.
The more logical argument to me is that Apple uses its upgrade price points as more than just direct BOM and rather as a proxy for things that are amortized across all their sales like support/warranty/etc so higher SKUs subsidize the costs of the lower ones.
And there are plenty of places in the US where you can buy a house for $150-$200k. Maybe not places you want to live for one reason or another, but they're there.
I wouldn’t recommend buying any bare metal unless money is a second thought or you can fully deduct the price.
Most often in the end you pay half the price then. Depending on the write offs you could even make some bucks out of it.
Or buy and lease. Under certain circumstances the hardware costs you nothing.
But you need money to save money. And a company.