All the Hacks: Money, Points & Life

The AI Tools I'm Building to Replace My Spreadsheets with Anish Acharya

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May 13, 2026
Anish Acharya, general partner at Andreessen Horowitz focused on consumer and AI-native investing. He and Chris discuss replacing years of spreadsheets with custom AI agents. They cover agent architectures, why sub-agents can fail, skills-and-connectors designs, personal AI for health and life optimization, and the cost and societal effects as AI tooling scales.
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INSIGHT

Four Layers Required For Personal AI

  • A complete personal AI needs four layers: public/scientific knowledge, semi-private sources, personal data, and trusted sources.
  • Combining those layers (e.g., Apple Health + trusted experts + your data) is where AI becomes truly useful.
ADVICE

Connect Your Tools So Agents Use Real Data

  • Connect your personal apps to your agent so answers use live data, not generic advice.
  • Example: Chris connected his Card Tool app to Claude so questions about paying taxes consult his actual cards and limits automatically.
ANECDOTE

AI Made A Family Video Montage From Messages

  • Chris built a family video montage by having Claude/Codex scan iMessages and photos, select top images and sweet messages, and suggest music tracks.
  • The tool found deep, old messages (e.g., pregnancy announcement) and curated a polished montage Chris shared with his kids.
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