There are three ways to do AI coding at home without spending like a company, and which one fits depends mostly on how much you trust the next year of hardware and model releases.
AI Coding at Home Without Going Broke | Stephen Bochinski
This is about coding but frames some of the decisions around Frugal AI well. The fact is for many of us, the downloadable slower models are fine for or work and tasks so I believe that option — having your own set up — is becoming more viable.