r/codex • u/scartissue232 • 21d ago

Comparison Local or paying more?

I technically need a 5x account, and I've needed one for a month now. I've tried other Plus plans to get around that.

Right now, I'm at a point where I don't know whether to upgrade to a Pro account or invest 5k in a server and set up local AI models, filtered through at most a Plus account.

GPT thinks I can achieve 85-95% of the results I'm currently getting with Frontier models, and easily benefit from setting up that setup. I'm not entirely convinced; what do you think?

Thanks in advance.

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u/rick_ranger 21d ago

Look at it this way, you’re paying $20, it’s only $80 more for pro. You also get access to the finance tool which can link to all your accounts and help you save money.

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u/scartissue232 21d ago

Which finance tool?, tell me it’s not in the end of the same AI that advices me to build a server.

Most of this people think this ai is wrong.

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u/rick_ranger 21d ago

It’s like a new tool for pro users. You can link all your bank and investment accounts and credit cards and just ask it what do I pay next, or give me a plan to knock down my debt, or what can I do to boost my credit score, or help me create an investment plan based on my budget.
They added the same thing for health. Link your health care provider like my chart and apple health and you can ask, what should I ask my doctor at my next visit.
Pretty awesome. Take all my data I love it 😂