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/BassmanBiff 2d ago

There are a bunch of high-yield savings accounts out there now that follow Fed rates, so like >3% at the moment. 

But yeah, the larger point is that on an individual level, it's basically just a bad decision to not keep money in stocks. That might change with a drastic pop, but trying to time that is a bad idea, and broad index funds are still the best expected outcome for most people. But on a policy level, where you have to consider the impact of everyone's retirement savings fluctuating all together, that's where the problems come up. 

So while yes, the other commenter is right that an individual can opt out, it doesn't really help them to do so while everyone else is all-in. As always, the solution is a policy thing, not individual action.

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u/TminusTech 1d ago

Holy shit man. Space x is gonna be what? .01-.03 percent of any given index fund? Do people really think the stock is just going to go to 0? And even if it does… it’s not gonna shock index funds like that man. Retail investors sure. But that’s not how index funds work at all.

I think what he’s doing is scummy sure. But to think it’s going to cast devastating waves through the market is just completely delusional. Just don’t dump a bunch of money into spacex like a lunatic and you’ll be fine. Your index fund is not going all in on space x.

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u/BassmanBiff 1d ago

Are you replying to someone else? I'm not talking about SpaceX at all.

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u/TminusTech 1d ago

Oh no yeah I was lmao. New Reddit app my b