a girl cut her ai costs from $512/month to $19 by buying a $599 box once, the mac mini m4 is quietly the cheapest ai setup of 2026
i ran the math because the gap sounded fake. it holds up
> a heavy stack of claude, chatgpt, cursor and api usage hits ~$512/mo, about $6,144 a year
> the mac mini m4 starts at $599 and runs on roughly $4/mo of electricity
> ollama plus open webui runs qwen, deepseek and llama locally
> if it handles even 75% of the work, it pays for itself in about six weeks
she still keeps one cloud model for the hardest tasks, that part's honest
but once a small box on the desk does most of the work, paying full subscription price for everything starts to feel stupid
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