All the Hacks: Money, Points & Life All the Hacks: Money, Points & Life

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

May 13, 2026

Summary

Chris Hutchins and Anish Acharya discuss replacing spreadsheets with custom AI agents to optimize travel, health, and finance. They critique current architectures like OpenClaw, favoring modular skills in Claude Code for better context management. The conversation explores how personal AI can democratize "hacks" for an optimized life, while debating whether these tools enhance or hinder genuine human connection.

Topics discussed

Introduction: Replacing spreadsheets with AI travel tools The problem with manual flight and points planning Building a custom AI tool vs. using OpenClaw Understanding AI agents, context windows, and memory Sponsors: Built Points and Green Chef Designing skills and channels for persistent AI sessions Democratizing expertise: Points, miles, and consumer leverage Personal data integration: Health records and trusted sources CardTool: Automating credit card optimization with AI Sponsors: NetSuite and Mercury Creative AI: Generating personalized video tributes AI in relationships: Optimization vs. human connection Monetizing tacit knowledge and automating bureaucracy Technical deep dive: MCP, Zapier, and custom connectors Sponsor: Fora Travel Security: Managing sensitive data and API keys Remote coding agents and the limits of AI autonomy The Gelman Amnesia effect and trusting AI outputs Model routing: Balancing cost, speed, and capability The future of AI subscriptions and consumer spending
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