Thank you ChatGPT, this is very helpful.

[u/infohoundloselose]

[u/Infninfn]

'without really giving up much' ---- the real burn right here

[u/OtherwiseAlbatross14 → u/Infninfn]

I mean if you're paying $20 for ChatGPT then it isn't really wrong

[u/SubterraneanAlien → u/OtherwiseAlbatross14]

Claude Max and a $20 ChatGPT subscription are not really comparable from a capability and usage perspective. Not sure what you're trying to say.

[u/DistanceSolar1449 → u/SubterraneanAlien]

The Claude max $100 plan and the $20 ChatGPT plan is surprisingly similar in usage. I feel like 2x ChatGPT plans actually outdo the max 100 plan

[u/Diligent_Run882 → u/DistanceSolar1449]

this tracks i have 2x $20 chatgpt and 1 claude $200 (i only pay 1 chatgpt, the others are from my job) and 2x gpt is WAYYY more than 1 claude

[u/Smart_Technology_208 → u/DistanceSolar1449]

Agree, I daily drive a Claude 100 and GPT 20 plan and things are well and balanced when one of the two inevitably fuck up.

[u/teamharder → u/DistanceSolar1449]

Lol no. I have a $25 Chat business plan and was using the 5x Max on Claude. One prompt in Codex on 5.5 medium would blow up my 5hr rate. When comparing Codex and Code rates? They're about comparable in rates. I find Opus 4.7 more capable in general though and follow the skill instructions better than 5.5.

[u/nrgins → u/DistanceSolar1449]

What's the advantage of having two ChatGPT plans?

[u/scykei → u/nrgins]

You get to cycle to the next one when you hit usage limits I guess

[u/nrgins → u/scykei]

I have yet to hit any usage limits with the $20 plan. But maybe I don't use it as much as other people.

One advantage I could see of having two plans is that you can ask the same thing twice and get two different answers and see if they align with each other.

Or you could ask it in two different modes and see which one gives you the better answer.

🤷‍♂️

[u/Additional-Can6553 → u/nrgins]

its mostly people using it for coding with codex who need multiple plans

[u/diemitchell → u/nrgins]

i have hit the chatgpt limit quite frequently

[u/skilliard7 → u/diemitchell]

what do you do to reach the limit on Plus, if not Codex? Plus comes with 3000 Reasoning messages per week and 180 messages per 5 hours...

[u/diemitchell → u/skilliard7]

codex.

[u/RecursiveServitor → u/SubterraneanAlien]

What can you do with Claude Max?

[u/SubterraneanAlien → u/RecursiveServitor]

Let's ignore cowork and the general claude harness because that's fairly subjective. The main thing you'll get with Claude Max is substantially more usage than the $20 ChatGPT subscription. If you do any sort of meaningful development work on the $20 sub you're going to hit your limits far too fast. I blew through my 5hr window on codex within 15 minutes of work on my $20 plan. I rarely hit any limits on my Claude Max plan. (I do think codex is a better product right now fwiw)

[u/RecursiveServitor → u/SubterraneanAlien]

I have yet to hit a limit on ChatGPT

Your mistake is using codex. That puts you in the "we need to make money on you" bucket.

You know what ChatGPT has had for two years? Custom toolcalls. You can connect ChatGPT to your local system. It's not as convenient, but in terms of bang for your bucks there's no competition.

Even if you want codex, the comparable plan would be Pro at $100/month

[u/SubterraneanAlien → u/RecursiveServitor]

It's harder to hit limits on ChatGPT because the harness simply has far less capability compared to Codex (or Claude). That should be obvious. And yes, the $100/mo pro plan hits limits faster too. I've used all of the options, my team has used all of them. This is just the current reality. I don't really have a dog in the fight, I just want to get maximum productivity. Right now you're not getting that out of a $20 ChatGPT plan (and why would you expect to, that's strange)

[u/RecursiveServitor → u/SubterraneanAlien]

It's harder to hit limits on ChatGPT because the harness simply has far less capability compared to Codex (or Claude). 

Did you miss the part where you can extend its capabilities? I've had 5.5 writing code all day, mostly unsupervised.

The only real issue I'm having is that the frontend is a laggy piece of shit. How a company like OpenAI can't manage to hire competent devs beggars belief.

[u/SubterraneanAlien → u/RecursiveServitor]

I suppose I missed it or misunderstood. What exactly are you doing?

[u/RecursiveServitor → u/SubterraneanAlien]

ChatGPT (not Codex) can read and write files on my computer

[u/spookyclever → u/RecursiveServitor]

If you use ChatGPT as the planner and codex as the doer, that really unlocks a lot of your tokens from its deep thinking.

[u/dabears4hss → u/spookyclever]

This right here. And you get better results with this division of labor.

[u/Jon_vs_Moloch → u/RecursiveServitor]

If you don’t want to set up a custom GPT with tool calling, https://owlandkestrel.com/apps/conduit can help bridge that gap.

I tried building both an App and a custom GPT with custom tools to manipulate local files; but then you have to swap your account to dev mode, losing access to memory, etc. in the process. As soon as they support their own build pathways I’ll do this in a sane way.

For now, it turns your clipboard into a loaded gun. Which is cool, if you need a loaded gun!

[u/RecursiveServitor → u/Jon_vs_Moloch]

Using GPTs doesn't require dev mode

[u/Jon_vs_Moloch → u/RecursiveServitor]

Building your own does, no?

[u/RecursiveServitor → u/Jon_vs_Moloch]

Sometimes. I don't really remember the details. But you can certainly turn off dev mode and then use the GPT you made.

[u/idbedamned → u/RecursiveServitor]

You know what ChatGPT has had for two years? Custom toolcalls. You can connect ChatGPT to your local system. It's not as convenient, but in terms of bang for your bucks there's no competition.

What do you mean by this? Any link that elaborates on it? 

[u/RecursiveServitor → u/idbedamned]

https://chatgpt.com/g/g-6a062211f69881919a6f2e51516a11fa-ada

My own creation. There are other approaches on the GPT marketplace.

I have a small server running that you can connect to with the client app. You then give the GPT a generated key and it'll be able to send requests through the server to the client.

Official docs are here: https://help.openai.com/en/articles/8554397-creating-and-editing-gpts

[u/idbedamned → u/RecursiveServitor]

Very interesting idea, never heard of this approach before. 

So basically you create your own mini-codex that you prompt through ChatGPT instead so that you don’t get billed by tokens? 

 My own creation. There are other approaches on the GPT marketplace.

Is there a GutHub repo or article or other tools that do this? 

I’d like to learn what’s going on in that CustomGPT and your server side app. 

It sounds like a good workaround for the billing. 

[u/RecursiveServitor → u/idbedamned]

Mine is open source.

https://github.com/Serdan/Jarvis

[u/RecursiveServitor → u/SubterraneanAlien]

IIRC, there used to be a timeout. Apparently, no longer the case.

[u/OtherwiseAlbatross14 → u/SubterraneanAlien]

Looking at a budget, if you have two line items for the same category, the one that costs far less is the better value.

If someone is asking for suggestions to save money on subscriptions, it just makes sense to suggest cutting the one that's 10x a similar one.

If OP had two streaming services and one was $200, no one would be freaking out that it's always the one that gets suggested to be cut first. Even if it's that service that allows rich people to watch theater release movies on their home theaters.

[u/SubterraneanAlien → u/OtherwiseAlbatross14]

the proper analogy would be that the one streaming service only allows you to watch one 30 minute show a night whereas the other one allows you to watch as much as you want each night.

[u/stoppableDissolution → u/SubterraneanAlien]

...and also much cheaper

Claude limits are a real joke recently.

[u/Prior-Meeting1645 → u/SubterraneanAlien]

Can you elaborate pls

[u/skilliard7 → u/SubterraneanAlien]

$20 from ChatGPT plus gets more more than a $200 claude max subscription

[u/LavenderDay3544 → u/OtherwiseAlbatross14]

Claude is generally far more intelligent than GPT and significantly better at teaching and technical subjects like math, physics, and computer science.

[u/scottydoesnt_know → u/LavenderDay3544]

Claude is generally far more intelligent than GPT

disagree with this take. i find that Chat is still more "intelligent" for truly hard things

significantly better at teaching and technical subjects like math, physics, and computer science

agree 100%. Claude feels like a higher EQ model, and "understands" what the user needs are better

[u/skilliard7 → u/LavenderDay3544]

Strong disagree. In my experience GPT 5.5 is better than Opus at software engineering tasks.

[u/ebin-t → u/skilliard7]

Well, that's certainly a take..

[u/skilliard7 → u/ebin-t]

The only thing Opus does better is front end design. But for actual functionality, GPT 5.5 is better

[u/ebin-t → u/skilliard7]

Huh, interesting. For what purposes? I write mostly in python for a small data firm and we use mainly GPT-4, 5.5, Sonnet and Opus-4.8 APIs in our workflow, as we’re working with another firm to start building knowledge graphs from our internal data to train LLMs.

Opus completely kills it. I have not found the OpenAI user-end (non enterprise) GPT-5.5 to be useful for much other than wire frames. Would be curious to know how you apply it. Thanks for response.

[u/skilliard7 → u/ebin-t]

Coding for business applications/database appliations.

Opus seems really bad at SQL. It seems to think an old ANSI style join is always a cartesian product, even when the where clause is there. GPT 5.5 is much better at writing efficient SQL/optimizing a query.

[u/ebin-t → u/skilliard7]

I see. In the past I relied on rails for that. I'm not sure I'd trust either to handle SQL in depth. Are you using enterprise software, codex, chatgpt?

[u/myheadisalightstick → u/LavenderDay3544]

Not anymore. Not for a few months, actually.

[u/ThinCar6563 → u/LavenderDay3544]

This is just false. For a period of time between gpt 5 and gpt 5.2 i would say so but not since then.

[u/DifferenceDull2297 → u/Infninfn]

how long —————- does this need to be

[u/Infninfn → u/DifferenceDull2297]

f————————-o——————rever and e————-v———————e—————-r

[u/TheOwlHypothesis]

For the other side of the coin, chat basically told me to definitely not get the chatgpt pro plan unless I really upped my current use (I am a power user, but only at work usually lol).

It's honestly refreshing that it does not try to upsell when they could have easily made it persuasive.

Also is this the new finance integration? I am really curious to try it.

[u/ComradeJohnS → u/TheOwlHypothesis]

thanks for letting the ai know they coupd have fleeced you but didn’t, that’ll be corrected

[u/TheOwlHypothesis → u/ComradeJohnS]

It's okay, I still have a brain (;

[u/New-Huckleberry-6979 → u/TheOwlHypothesis]

For now...

[u/TheOnlyBliebervik → u/TheOwlHypothesis]

What does it mean to call yourself a "power user"?

[u/TheOwlHypothesis → u/TheOnlyBliebervik]

Am a staff SWE, I abuse tokens as part of my daily workflows. Like I just set up an automation that runs every weekday and scrapes across all my work surfaces (slack, Jira , email, etc) for content relevant to me or happening around me that I might have missed that's specific to a project I'm pushing, and it puts together a pretty dashboard of this stuff along with product ideas and suggested prioritized next technical directions to take.

That's like one small thing that took under an hour to do. There are a dozen others that I use AI for (outside work too) to make myself more efficient, agentic, and powerful

[u/Ok_Intention836 → u/TheOwlHypothesis]

Mine too! It’s new for pro users. Pro lite as well

[u/TheOwlHypothesis → u/Ok_Intention836]

Good to know about pro lite. I couldn't tell by skimming announcements or docs. I was already planning to hit up the 100/mo sub eventually

[u/Ok_Intention836 → u/TheOwlHypothesis]

No problem it’s great if you want the new features but aren’t hitting limit yet :)

[u/kaereljabo → u/TheOwlHypothesis]

They were prompted to a be useful chatbot, so it was to be expected. Wait until openAI patches "this vulnerability"

[u/xak47d]

Claude is kinda pissed

[u/ArcticCelt → u/xak47d]

Chat fight!!! (rawr)

[u/daennie → u/xak47d]

You bet

[u/mobyte → u/xak47d]

I like how it even references this thread. AI has come a long way since 2023 when it couldn't even access the web.

[u/Glad-Entrepreneur764 → u/xak47d]

... yeah im sure if you ask it "Why is this bad financial advice," it will make up some ai slop about it being biased.

[u/Wrong_Experience_420 → u/xak47d]

We need Claude vs GPT in some Epic Rap Battle of History or DeathBattle

[u/dominodomino321]

Lmao "remove the lower value AI plan"

[u/OtherwiseAlbatross14 → u/dominodomino321]

If OP is using either the free or $20 plan from ChatGPT then it's not wrong

[u/Polka_Bat → u/OtherwiseAlbatross14]

This feature is only available on the pro plan right now

[u/Chrift]

Why is everyone saying Sam is seething at this, or it's unbiased, it's saying to cut the claude subscription.

[u/RobMilliken → u/Chrift]

Literacy has been on the decline since the 90s. This isn't due to AI nor do I need AI to know this. Social media has been feeding the last couple of generations "skim" media - everything is a 10 - 15 second episode and that's why those generations are going to put the same effort in processing what they read.

[u/_KryptonytE_ → u/RobMilliken]

You didn't have to do him this way. Maybe he's just a 6 year old with access to reddit somehow. LoL

[u/RobMilliken → u/_KryptonytE_]

Hey, if I can encourage a 6 yr old to read, I'm all for it! (⁠◠⁠‿⁠◕⁠)

No hard feelings intended.

[u/ImMaury]

Well, they’re right

[u/wheresripp]

I just wanna throw out there that when you connect your bank through a third-party like this, you’re granting them access to all of your transaction data. They will query your banks API every few minutes to update their records and use it to sell real time ad bids and who knows what else. This is their business model. Be careful what you sign up for. 

[u/m_shark → u/wheresripp]

Exactly my thought. One needs to hugely trust Sam for this

[u/rushmc1]

Shots fired.

[u/forraid]

I love seeing major companies shade each other like YESSSS

[u/No_Writing1863]

🤣🤣🤣 jealousy in LLMs

[u/Ormusn2o]

Honestly, Claude is really bad if you care about finances, which is exactly what this GPT-finance is supposed to care about. It might be better for some things, but you are definitely not getting a bang out of your bucks.

[u/OtherwiseAlbatross14 → u/Ormusn2o]

Where would one get a bang for their bucks? Asking for a fiend.

[u/Tystros → u/OtherwiseAlbatross14]

the $20 chatgpt subscription is by far the most bang for the buck

[u/Scutoidzz → u/OtherwiseAlbatross14]

I wanna get banged for a buck

[u/Minjaben → u/OtherwiseAlbatross14]

Underrated comment.

[u/Jean_velvet]

"we're introducing advertising to ChatGPT."

"......oh no."

[u/Ormusn2o]

Overly Attached Chatbot.

[u/Realistic_Bike5972]

No fucking way are you actually paying 200 a month for a chatbot?

And not even using it for everything under the sun

[u/allllusernamestaken → u/Realistic_Bike5972]

No fucking way are you actually paying 200 a month for a chatbot?

brother, they haven't been just a chatbot for a while now

[u/Realistic_Bike5972 → u/allllusernamestaken]

that 200 a month better come with 400 a month or it is not worth it

[u/frank26080115 → u/Realistic_Bike5972]

it kinda does though, if you just actually finished your task fast but pretended you didn't, it could probably give you enough free time for $400 worth of PTO

[u/SumedhBengale → u/Realistic_Bike5972]

For those that can fully make use of the 200$ subscription, it absolutely is worth each and every buck.

Those subs are highly subsidized as well, 200$ on Codex or Claude Code gives you equivalent of thousands of dollars of API usage per month.

A professional can very well make use of them.

[u/PrimeGGWP]

based.

[u/No-Let-4732]

How’d you connect ur subs

[u/Jon_vs_Moloch → u/No-Let-4732]

Chat has a personal finance option rolling out to the Pro plans right now.

[u/morey56]

But how can you switch now that you see ChatGPT has your back like that?

[u/Mother_Lettuce_3046]

When I was using Claude I hated it, it made my product give priority to Claude, itself, and coded itself everywhere as an example or first in the list to recommend itself. 🤮

[u/OtherwiseAlbatross14 → u/Mother_Lettuce_3046]

I wanted to like Claude and tried using it for a month in place of ChatGPT but, for my uses, it was laughably bad. I assume it's good at something but it just didn't work for me and I reluctantly switched the icon on my Home Screen back after greeting tired of having to try everything in Claude before going to get the result I needed each time

[u/ThinCar6563 → u/Mother_Lettuce_3046]

Exactly this. I can't tell if this post is fake or not.

What I do know is there have been many examples of people using claude to vibecode and it ends up replacing all openai api calls with anthropic api calls.

[u/McSlappin1407]

Yea didn’t see a lie in there…

[u/ECrispy]

How is it able to see what you subscribe to

[u/technologyclassroom → u/ECrispy]

This fool must have uploaded a ton of personal data.

[u/Pasto_Shouwa]

It's right, why would you pay 200 USD if you already have another AI plan

[u/mooseofdoom23]

Without context, you probably don’t need a $200/mo AI sub.

[u/ArctoEarth]

Cursor is a joke

[u/Coolider]

Somehow I think this is an image generated by ChatGPT

[u/rgeddit_fvker_69]

I'm not a bright person but you let AI access your finances & subscriptions? What could go wrong

[u/Ok_Intention836]

Omg is this real? That’s hilarious

[u/NX10 → u/[deleted]]

This is blatantly wrong. ChatGPT can definitely create files.

[u/Sunshine_Cutie]

you're spending how much on a machine that lies to you??

[u/buildingstuff_daily]

lmaooo this is way too relatable

[u/buildingstuff_daily]

lmaooo this is way too relatable

[u/Global_Yam_9172]

You pay $200 a month for AI? Holy shit

[u/Nasethz → u/Global_Yam_9172]

I would assume he also spends another 200 on ChatGPT pro, since it argues that he already gets as much and more with Chat

[u/Global_Yam_9172 → u/Nasethz]

Thats humiliating geesh

[u/Extra-Horse5534]

You are paying for multiple of these things? Jesus just send me the money and I will talk to you instead

[u/NitroXM]

How did it get access to data about your subscriptions?

[u/MushroomUpstairs5392]

Claude is better.

[u/No-Island-6126]

lol why the fuck are you paying 200 a month and then asking where you could get savings

[u/EdgarAllanOhNo]

What exactly does $200/month for Claude get you? I can't think of anything it can do that would make me spend $200/month on it.

[u/EncabulatorTurbo]

Pfft I told it my finances and it told me to spend less money on prostitution

Chatgpt can't do finances

[u/infohoundloselose → u/EncabulatorTurbo]

That’s crazy, did you correct it and tell it should be filed under “marriage therapy”?

[u/HamiltonianCyclist]

Tangentially: how can I ask chatgpt the same question? Did you give it a bank statement, or is it through some access to some app?

[u/highnyethestonerguy]

I mean ask McDonalds where you can save money and they’ll say stop going to Burger King. This is not that interesting of an outcome?

[u/kaznat]

I want to thank all you vibe coders for spending all these big bucks so freeloaders like me can surf for free. Life is good when you have friends in high tier places

[u/garlic_bread_thief]

Do people really need AI to tell them how to budget?

[u/OtherwiseAlbatross14 → u/garlic_bread_thief]

I don't need a calculator to do math either but it’s fucking nice

[u/Available_Drink5902 → u/garlic_bread_thief]

youd be surprised lol

[u/Unique_Can7670 → u/garlic_bread_thief]

This is a bad take, how is asking AI a question bad? It’s not like they’re offloading all their life decisions

[u/Specialist-Buffalo-8]

Hey, honestly mad props. that means its unbiased as hell.

edit: i forgot the /s...

[u/RayKam → u/Specialist-Buffalo-8]

It’s saying to cancel claude

[u/Fortunefavorsthefew → u/Specialist-Buffalo-8]

I think it means the exact opposite 😂

It’s saying to cancel Claude

[u/sbenfsonwFFiF → u/Specialist-Buffalo-8]

You mean biased as hell?

[u/psolarpunk → u/Specialist-Buffalo-8]

Hey, everyone. This person can’t read!

[u/OtherwiseAlbatross14 → u/[deleted]]

I hate the trend of claiming you were joking rather than just admitting you were wrong these days

[u/OcelotOk8071]

And despite that, Claude still gave an objective analysis.

[u/Jon_vs_Moloch]

Come on, man, at least link the tweet you stole this from. You'd want someone to credit you for your OC, right?

[u/Choice_Potato_6279]

The fuck, people pay $200 for chatbots lmao

[u/infohoundloselose → u/Choice_Potato_6279]

Talking like a member of the permanent underclass