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Immanuel Santosh's avatar

This 'spoon tax' mirrors what I see in Indian tech clients' finances—subscription creep and vendor lock-in are just endowment plans with better branding.

I keep noticing engineers who budget for SIPs but not for tooling costs, then wonder why their effective savings rate shrinks. Same pattern as high-expense mutual funds: the drag compounds quietly.

Open-source agents are the index funds of this space—lower friction, more flexibility, no surrender charges. Budget for tooling as a recurring

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