I will probably have to pay for openai limit bc of InsufficientQuotaError

I'm doing the embedding generation part in the day 3 video, but when I test the code I got the InsufficientQuotaError:429 message.

How much should I pay at least? $1 is okay?

btw I want to use gpt-3.5-turbo, is this code correct:

const model = new ChatOpenAI({

apiKey: process.env.OPENAI_API_KEY,

modelName: "gpt-3.5-turbo",

});

edit: or do you recommend gpt-4o-mini ? I'm little confused

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