If you’re willing to buy from a retailer you can usually get two or three year financing terms. sell it at the end of the payment term for half (or more) of what you paid in total and get a new one on a similar plan if you want.

don’t think it’s wise though, i bought a base m1 pro mbp when it launched and don’t feel a need to upgrade at all yet. i’m holding off for a few more years to grab whenever the next major increase in local llm capability and battery life comes.