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

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

Author: Chris Hutchins May 13, 2026 Duration: 1:10:45
#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 Claude OpenAI Codex ChatGPT Gemini Perplexity Computer Cursor OpenClaw Tools Chris is using in his stack CardPointers 1Password Zapier Apple Health Notion Dropbox Travel and points tools Google Flights Seats.aero Roame ATH Podcast #265: I Built an AI Assistant That Works While I Sleep #275: The Custom Everything Era with Kevin Rose Newsletter 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

Ever feel like there's a smarter, more efficient way to navigate your finances, your travels, and your daily routines? That's the core question driving All the Hacks: Money, Points & Life. Hosted by Chris Hutchins, this podcast is built on a simple, powerful idea: maximizing value doesn't mean sacrificing enjoyment. Instead, it's about the strategic choices that free up resources-both money and time-for what truly matters. Chris approaches life as a series of systems to be optimized, drawing from his own experience saving millions through meticulous analysis. The conversations here are practical and wide-ranging, moving seamlessly from credit card points strategies and investment philosophies to the less tangible hacks for personal fulfillment. You'll hear from a diverse roster of experts and icons, including Tim Ferriss, Tony Hawk, Codie Sanchez, and Gary Vaynerchuk, who all bring their unique perspectives on building wealth and designing a compelling life. Each episode feels like a focused workshop, offering actionable advice you can use immediately, whether it's planning a luxury vacation for a fraction of the cost or rethinking your approach to career and leisure. This isn't just about frugality; it's about unlocking freedom and excitement through smarter decisions. Tune in for a consistently insightful blend of tactical moves and deeper conversations that challenge the conventional trade-offs between spending, saving, and living well.
Author: Language: English Episodes: 50

All the Hacks: Money, Points & Life
Podcast Episodes
Stop Overthinking and Start Deciding with Derek Sivers [not-audio_url] [/not-audio_url]

Duration: 1:55:42
#273: Learn to stop overthinking and make better decisions. Chris and Derek discuss how optimizing can go wrong, a coin flip trick for making decisions, journaling as a superpower, how your actions might reveal what you…
My Process for Booking Travel with Points & Miles [not-audio_url] [/not-audio_url]

Duration: 57:56
#272: Learn how to turn your points into significantly better travel experiences by following a simple, repeatable system. We cover how to plan, find award availability, choose the right tools, and decide between portals…
How to Actually Live the Life You're Optimizing For with Sahil Bloom [not-audio_url] [/not-audio_url]

Duration: 1:00:04
#271: Learn why over-optimizing your life can quietly destroy the things you actually care about. Chris and Sahil explore the doorman fallacy, why big life decisions should happen fast, how to use AI as a thinking partne…
Ski Trip Mishaps, AI Interior Design, Reflecting on Life and More [not-audio_url] [/not-audio_url]

Duration: 1:11:20
#270: Chris and Amy discuss lessons from three ski trips with kids, using AI to redesign rooms on a budget, their favorite new gadgets, navigating high-deductible health plans, and more. Link to Full Show Notes: https://…
Credit Cards: What's in My Wallet for 2026 [not-audio_url] [/not-audio_url]

Duration: 1:17:27
#267: Chris reviews his credit card lineup for 2026, sharing which cards he's keeping and canceling and why. He also covers how to evaluate annual fees, the best cards across major spending categories, and the apps he us…
Why Change Is Hard and How to Make It Your Advantage with Maya Shankar [not-audio_url] [/not-audio_url]

Duration: 48:40
#266: Chris and Maya break down the science-backed tools that make change easier and more intentional. They explore why most people misunderstand change, how to anchor your identity to your deeper “why,” and practical to…
I Built an AI Assistant That Works While I Sleep [not-audio_url] [/not-audio_url]

Duration: 54:15
#265: Chris explores how modern AI tools have eliminated the barriers to building software, why planning matters more than coding skill, how anyone can turn a simple problem into a working app faster and cheaper than eve…
Deep Dive on Bilt Rewards and New Bilt 2.0 Cards [not-audio_url] [/not-audio_url]

Duration: 1:18:25
#264: Learn how the Bilt ecosystem works, from earning Bilt Rewards to the new cards, transfer partners, perks, and where the real value is. Whether you’re new or already earning, this is a practical guide to using Bilt…