> My set up is not the best but it is working for me and is saving me money.
I've got a local setup too but unless you consider hardware zero cost, there is really no way to save money. The class of model you can run on <$5k of hardware is dirt cheap to run in the cloud (generating tokens 24/7 non-stop is a few dollars a day at most, possibly even less than the cost of electricity to do it at home).
There's truth to that. But, I already had the card for other purposes. And I don't have to egress or ingress anything. I love having it all local to me. I also love how I can sell the card later. Funny thing, my GPU has gone up in price so I might even have made money