I see a ton of my peers driving around in 80k cars. I drive a 20k used one.
I'm planning a writing a ROCM inference engine anyways, or at least contributing to the rocm vllm or sglang implementations for my cards since I'm interested in the field. Funnily enough, I wouldn't consider myself bullish on AI, I just want to really learn the field so I can evaluate where it's heading.
I spent about 10k on the cards, though the upgrades were piece meal as I found them cheap. I still have to get custom water blocks for them since the original W7900s (which are cheap) are triple slot, so you can't fit 4 of them in any sort of workstation setup (I even looked at rack mount options).
Bought a used thread ripper pro wrx80 motherboard ($600), I bought the cheapest TR Pro CPU for the MB (3945wx, $150), I bought 3 128Gb DDR4-3200 sticks at 230 each before the craze, was planning on populating all 8 channels if prices went down a bit. Each stick is now 900, more than I paid for all 3 combined (730 with S&H and taxes). So the system is staying as is until prices come down a bit.
For AI assisted programming, the best value prop by far is Gemini (free) as the orchestrator + open code using either free models or grok / minimax / glm through their very cheap plans (for minimax or glm) or open router which is very cheap. You can also find some interest providers like Cerebras, who get silly fast token generation, which enables interesting cases.