You're young. That's a substantial raise, and more importantly, it shows that you are on an upward trajectory.

Then, do it again in another year or two. (I'm assuming you are in some sort of tech as you are WFH). Early in your career, your salary can skyrocket in the first 5-7 years.

Maybe it impacts your work-life balance, but, maybe meeting people will improve your personal life! My coworkers from my second job out of school are still some of my closest friends, 20 years later.

When in doubt, take the money. ;)

So what's your plan then? You want to buy your own?

I'm pretty confident a subscription is cheaper than the alternative here, unless you are FAANG.

The value to MSFT isn't the short term cash. They have plenty of cash.

• Being the platform that can deliver these volumes on short notice.
• Proving themselves to be the go-to in AI.
• Having a leg up on anything integrating with these services

That is the value to MSFT, and it is huge. I generally dislike MSFT historically, but this is a home run for them.

People who haven't actually designed medium/large systems don't understand how much is involved just keeping things working.

Writing business software is basically building better duct-tape. It works, until the next new feature, or until the next upgrade, or the next security hole.

If AI was "good", there would be no security concerns. And as someone with 20+ years working in large systems, phone systems, and networks, I can say that if you think anything is secure, you should see somebody.

All that being said, I wouldn't want to be a coder in any position that can be outsourced.
I took a few features that took a team of our folks overseas a month to do, and had them rebuilt in a few hours myself. It is already like having an assistant, who types very fast, and does exactly what you tell it.
Trick is, you need to know what to tell it.