Roxxaru

🦔 HP launched a gaming laptop subscription where you pay monthly but never own the hardware. The high-end option is $130/month for an RTX 5080 Omen Max 16. That same laptop costs $2,110 to buy outright, meaning you'd pay the full price in about 16 months but still own nothing. If you cancel after the first month, you face hefty fees. Canceling the top-tier subscription in month two costs $1,430 plus you have to return the laptop. You can only cancel for free after 13 months, by which point you've paid $1,690 and still have no laptop. HP's justification: "The traditional upgrade cycle keeps most gamers perpetually one step behind. But with access to a new laptop every year, your subscription breaks that cycle completely." My Take This feels like the logical endpoint of the subscription economy. You pay forever, you own nothing, and the company frames it as doing you a favor. HP is betting that people are so conditioned to monthly payments that they won't do the math showing they'd pay full price in 16 months and keep paying after that. Memory chip prices are up 60% because data centers are consuming everything. Hardware costs are rising. And now HP is using the affordability crisis to push a model where you never build equity in anything you use. We've seen this with software, streaming, cars, and now gaming hardware. The pitch is always about flexibility and staying current. The reality is you're perpetually renting your life from companies that figured out recurring revenue beats selling you something once. At least when you finance a laptop you eventually own it. I don't know how we got to a place where "you will own nothing" stopped being a dystopian warning and became a business model. Hedgie🤗

MAMDANI: "If your landlord does not responsibly steward your home, city government will step in.

What is your best financial advice for someone looking to start 2026 right?