Proprietary frontier LLMs in companies riddled with highly suspect business practices.
My local LLM setup has absolutely been making the equivalence of positive cashflow for me since gemma 4 and qwen 3.8: I need less total time for several groups of annoying (but necessary) tasks, which means my productivity is up and I can use the rest as my own free time.
Stuff I can do myself perfectly well, but the results - after postprocessing - are indistinguishable from me having done so. Even when accounting for everything (including hallucinations) the time savings are real: Renewables-powered electricity is cheaper than my attention. By a lot.
Caveat: This only works if you're already a domain expert and if you do it exclusively for too long, you might be at risk of ceasing to be such an expert. Don't use it to try and do the thinking for you.