Doing the actual math on a $20k local AI rig breakeven

Summary

Everyone under the sun says "it's free after you buy the hardware" and skips the electricity bill. Ran the numbers against a mid tier subscription to see where the crossover actually sits. Every thread about self hosting eventually has someone say some version of "once you own the hardware it's free forever," and every time I read that I think about my power bill. Electricity is not zero, and once you're running a card that pulls real wattage under sustained infer

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