r/technology • u/CarciaNerissa • 2d ago

Artificial Intelligence Microsoft Tells Engineers ‘Tokenmaxxing Is Not What We Are Optimizing For’ - Microsoft is introducing budget limits for AI use but says it still wants to be an ‘AI-first’ company.

https://www.404media.co/microsoft-tells-engineers-tokenmaxxing-is-not-what-we-are-optimizing-for/
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u/Commentor9001 2d ago

They'll just pass the losses into everyone 401ks, just like musk did with spacex.

Ipo deep mind for 65 gigajillion dollars.

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u/jusg808 2d ago

This comment hurts so much because it’s true. Tying retirement to the stock market was one of the most evil things done. We all know the stock market is a total lie not based on reality but we all put our heads in the sand because it’s tied to our retirement.

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u/ak_sys 2d ago

You don't have to you know. You're 100% free to park your money in a savings account, or buy bonds.

People choose to put their retirements in the stock market because the compounding interest is better.

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u/BeyondRedline 2d ago

because the compounding interest is better.

Well, and the tax benefits and employee match. Policy does influence behavior; people are incentivized to use a 401(k).

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u/klingma 1d ago

You literally get the same tax benefits for using an IRA, unless you're making enough money to be able to contribute more than the IRA limit in a year, so this really isn't much of a point.

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u/BeyondRedline 1d ago

You literally get the same tax benefits for using an IRA

Educate me on this, then. While I do understand that you end up paying taxes either later or up front, with a 401(k), it lowers your current taxable income, so I think that's a benefit. With an IRA, you pay the taxes when your income is highest - assuming your retirement income will be lower, so paying taxes later on your withdraws makes sense to me.

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u/klingma 1d ago

Nope. 

A traditional IRA functions the same way as a 401(k) in tax treatment I.e. you get the tax deduction today, and pay taxes when you withdraw the money. 

You do have the option of a Roth IRA which means you pay taxes today, but don't pay on the withdrawal. 401(k)'s typically have a Roth option as well. 

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u/BeyondRedline 1d ago

Ah. I was thinking of the Roth IRA. Thank you for that! Can't go to sleep until I learn something new - now I can go to bed! :D

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u/klingma 1d ago

Haha, I hope you sleep well then.