How do I afford a SSD

If speed isn't an issue, buy an HDD instead. My local Walmart had an 4TB external WD drive for $99. Sequential read speed improves with storage density, so you might as well go big assuming you have the budget for it.

Otherwise wait for AI to implode or some big sale like Black Friday.

Actually, why don't you raid an AI data center? Lots of free SSDs there. And other valuables, too! Be like Robin Hood and give them to the poor. Or at least sell them on the black market for reasonable prices.
 
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