Local isn't new for me. I am still coding my stuff, but Qwen3-coder:30b on my old rig with a gtx 1070 16gb RAM does wonders for me.

I mostly use it as a google search if I forget a thing, or doing the boilerplates.

I am using a mix of a non harness chat for the reply speed, and opencode / vim-ai for my boilerplates.

$0.00 / month. That's the budget.