Crucially those are all investments. Just like creating AI or buying data centers to run AI is an investment. Whereas merely using AI feels more like being in the general population of consumers. The shape of the outlay for it is un-investment-like. A monetary investment is a big charge up front, not a monthly fee. A skills investment looks like effort spent learning, but I mean how difficult is it to type reasonably precise English? Conclusion: you're a customer, not an investor, so you can start any time.