It doesn't make economic sense to not use the top-line AI and to not use it even harder. If you are not getting paid to dev, it actually makes _less economic sense_ to not just cough up the dough because you can use the time you have won to earn money doing something else (or to enjoy what you have built with the additional leisure time), which would quickly make up the difference.
Cursor Ultra costs €175, which is 13 hours of minimum wage work in Germany. Can I manage to lean hard into AI and squeeze out 13 hours of productivity gains?
You betcha.


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