The AI Tools I'm Building to Replace My Spreadsheets with Anish Acharya
All the Hacks: Money, Points & Life
The true cost: subsidies, token economics and routing
They unpack current subsidies, token costs, model routing challenges and consumer budget trade-offs.
#278: Is AI making it possible for the average person to live a fully optimized life? Chris and Anish swap notes on how custom AI tools are replacing years of spreadsheets, and reshaping the way we work, learn, create, and relate to each other. They dig into why Chris has abandoned OpenClaw, the architecture mistakes almost everyone is making, and what happens when the subsidies on all these tools eventually go away.
Anish Acharya is a general partner at Andreessen Horowitz, where he leads consumer and AI-native investing.
Link to Full Show Notes: https://chrishutchins.com/ai-tools-spreadsheets-anish-acharya/
Partner Deals
Bilt Rewards: Earn the most valuable points when you pay rent
Green Chef: 50% off your first month + 20% off for two months with code 50ALLTHEHACKS
NetSuite: Free KPI checklist to upgrade your business performance
Mercury: Manage, move, and grow your money
Fora: Become a Fora Advisor today
For all the deals, discounts and promo codes from our partners, go to: chrishutchins.com/deals
Resources Mentioned
AI tools and platforms
Tools Chris is using in his stack
Travel and points tools
ATH Podcast
-
Leave a review: Apple Podcasts | Spotify
-
Email for questions, hacks, deals, and feedback: podcast@chrishutchins.com
Full Show Notes
(00:00) Introduction
(02:08) How Chris Replaced His Award-Flight Spreadsheets With an Agent
(04:20) Why Your AI Setup Should Be Platform-Agnostic
(07:13) Why Sub-Agents Don't Actually Make Sense
(13:29) Skills, Connectors, Projects, and Channels Explained
(17:29) Anish on the Two Big Breakthroughs: Coding Agents and Personal Agents
(18:29) Zero Marginal Cost of Doing Work
(21:01) Will Knowledge Get Less Democratized in the AI Era?
(22:17) The Four Layers of Personal AI: Knowledge, Data, Trust, and Connection
(24:35) The Black Pill: Do Most People Have Enough Agency for This?
(26:29) How Chris Connected His Own CardTool App to Claude
(32:07) The Family Video Montage Built From iMessages and Photos
(33:51) Reverse-Prompting and Breaking Tasks Into Discrete Steps
(36:35) Is AI Making Us More Connected, or Less?
(41:45) The Coming Flood of Bill Disputes, Appeals, and Speeding Tickets
(44:52) Gemini, OpenAI Apps, and Claude Connectors Compared
(47:03) The Hidden Power of Zapier's MCP Server
(50:20) Managing Logins and Sensitive Data Without Losing Sleep
(53:20) What's Still Not Possible With AI Today
(56:56) The Gell-Mann Amnesia Effect Applied to AI
(01:00:11) The Subsidies Behind Your $20 ChatGPT Plan
(01:04:59) Evaluating the Actual Cost of AI
Connect with Chris
Newsletter | Membership | X | Instagram | LinkedIn
Editor’s Note: The content on this page is accurate as of the posting date; however, some of our partner offers may have expired. Opinions expressed here are the author's alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post.
Learn more about your ad choices. Visit megaphone.fm/adchoices
The AI-powered Podcast Player
