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All the Hacks: Money, Points & Life

I Built an AI Assistant That Works While I Sleep

All the Hacks: Money, Points & Life

Chris Hutchins

Business, Society & Culture, Education, Self-improvement, Investing, Places & Travel

4.8 • 1.6K Ratings

🗓️ 11 February 2026

⏱️ 54 minutes

🧾️ Download transcript

Summary

#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 ever before, and how he built a personal AI assistant that's already started to run his life behind the scenes. Link to Full Show Notes: https://chrishutchins.com/how-to-build-with-ai-tools Partner Deals Green Chef: 50% off on your first box + 20% off for two months with code 50ALLTHEHACKS Mercury: Help your business grow with simplified finances NetSuite: Free KPI checklist to upgrade your business performance Gelt: Skip the waitlist on personalized tax guidance to maximize your wealth Trust & Will: Get 20% off personalized, legally binding estate plans For all the deals, discounts and promo codes from our partners, go to: chrishutchins.com/deals Resources Mentioned AI Models & Assistants ChatGPT OpenClaw Gemini Claude AI Coding & Building Tools Replit Lovable Cursor Codex Productivity & Automation Tools Wispr Flow Zapier Nimble Links Tampermonkey Developer Infrastructure Clerk Supabase GitHub FinTech: Plaid How to Run OpenClaw as your Virtual EA Blogs Doctor of Credit Frequent Miler The Points Guy Deep Personality Credit Cards American Express® Gold Card Citi Strata Elite℠ Card Citi Strata Premier℠ Card Bilt 2.0 ATH Podcast Ep #263: How to Earn Millions of Points and More Listener Q&A Chris’ Card Optimizer Tool Ask Chris Anything! Leave a review: Apple Podcasts | Spotify Email for questions, hacks, deals, and feedback: podcast@chrishutchins.com Full Show Notes (00:00) Introduction (01:41) Why This Is the Best Time Ever to Build Software (04:14) How to Build Almost Anything with AI (13:53) Why Context Is the Real Superpower (15:58) Using Planning Mode Instead of Guessing (16:41) Which AI Tool Should You Start With? (17:53) Building a Real Credit Card Optimizer from Scratch (28:48) What It Actually Costs to Build with AI (32:38) The Real AI Learning Curve (33:38) Moving from Cursor to Claude Code (36:17) Why You Should Try Building Something (Even If You're Not a Coder) (37:00) How OpenClaw Changes the Game (38:57) Why Security Still Matters (42:25) A Conversation with Ted, Chris' AI Assistant (44:07) Letting AI Work While You Sleep (49:41) Learning to Be Clear, Specific, and Intentional (50:03) Start with a Real Problem (50:39) Breaking Projects into Small, Winnable Pieces (50:58) What Would You Build If Building Were Easy? (51:59) Keeping Track of Cost and Budget 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

Transcript

Click on a timestamp to play from that location

0:00.0

This morning, I woke up to a message from my assistant, Ted, with a briefing that included

0:04.4

calendar highlights for the day, my sleep score, a meal plan for dinner, including the groceries

0:09.0

we need, my cars charge level, a weather forecast, a summary of emails that came in overnight,

0:15.1

and some insights from a podcast analytics project that he decided to take on on his own.

0:20.2

He also flagged the new Japan

0:22.1

Airlines transfer bonus from Capital One because he thought it might be relevant to my upcoming

0:26.7

Japan trip. On the surface, that's not that impressive. Plenty of people have capable assistants

0:32.1

who send emails like that all the time. What's impressive is that Ted is an AI assistant

0:37.4

I put together just a few days ago,

0:40.1

and in that time, I feel like I've seen the future, and I can barely sleep just thinking about it.

0:45.7

So today I'm going to share the story of how someone who would never be hired as a software engineer,

0:49.8

got started with all of this, how I decide what to build, how it's improving my life,

1:14.0

and the stack of tools and services I'm using, basically everything I think a non-technical person might want to know to do some of this themselves. I'm Chris Hutchins. If you enjoy this episode, leave a comment or share it with a friend. And if you want to keep upgrading your money points in life, click follow or subscribe. Now, before we get into this episode, I just want to flag that I'm going to try something different today. Normally, I do a lot of work to prep for an episode, hours and hours and

1:19.1

hours. It's not quite off the cuff. Today is the opposite. Today, I had this idea after all

1:25.1

of my excitement building stuff in the last few days that I thought, let's just record an off the cuff episode. It's way more casual. It's definitely not as organized and well researched, but there's a ton of good information, and I've tried to put it together, and I really hope it's going to be valuable. So how do we even get here? I want to give you a little bit of context because I didn't just start building this AI

1:45.1

assistant.

1:45.9

I started the way most of you probably did.

1:47.8

Just chatting with chat GPT.

1:49.5

Back in 2022, I remember when I first signed up for chat GPT, I was blown away and it just

1:55.5

felt like something new, something cool.

1:57.7

It didn't feel as different in that first moment as I think it now does. It felt

2:02.6

like a great way to access all of this knowledge. But I was kind of already decent at researching

...

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