Are You Worth the AI Cost?
My first week hard core vibe coding with Cursor and the top models (Claude 4.1, OpenAI Gpt-5) and the productivity enhancement is off the charts. It’s somewhere between 10x and 100x for the coding aspect. And as we all know, there’s a lot more to developing software than the coding part.
I’m not a coder in my day to day job anymore. I’m a cloud data architect and having ChatGPT write sql is NOT what I’m talking about.
Hard core development where you have a working app in mind to create. For me, it’s an industry dashboard with KPI’s, charts, trends etc. Normally I’d use PowerBI or some such tool purpose built - but for the hackathon I’m developing a python/streamlit application from scratch. And I can. It’s amazing.
Today I’ve run into usage limits. I don’t fully understand Cursor’s tiers, but I’m pretty sure anybody coding all day long every day will hit those limits by the end of the week. Your $20 monthly subscription goes from wonderful to WTF in a week. I found the “Enable usage based pricing”. And I set a budget of $100. We are in the free week for gpt-5 so I’m not expecting to run up a tab.
However, I could see that if I was an all day coder using these tools - I could easily run up hundreds of dollars per week, thousands per month. It’s clearly worth it given how productive the AI makes me.
The question is…am I worth it? Am I engaging in activity where my output, even 10x’d by AI, is worth $500 per week? I would think so. I’m paid much more than that for my 1x skills. But it would NOT be worth it to me to run up such tabs developing open source hobby software.
There are less expensive models and I’m sure “genai cost optimization” will become a thing. If you have economically viable things to do with your time, then it’s worth it to use the smartest models most of the time. When you are dealing with “code bases” and not just a single file, the token use balloons quickly. But so does the utility of having an AI.
I cost more, but I’m worth it. True for me, true for coding AI’s.