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Knowledge Challenge

A friend thinks you can answer this question about Build vs Buy / Outsourcing

Your 15-person SaaS startup needs user authentication with SSO, MFA, and RBAC. Your CTO wants to build it in-house: '3 engineers, 3 months, we'll own it forever.' Auth0 (a major vendor) costs $3,500/month for your user count. The 3 engineers earn $180K/year each ($45K/quarter). What should you do?