Garry Tan spends up to $200,000 a year on AI tokens. He uses agents for work projects and coding tasks. His agent has read all his email, Dropbox, Apple Notes and therapy notes. He describes agents as a constant helper for daily life. Tan shared 23 Claude Code skills called gstack on GitHub. Y Combinator uses an internal agent named Stray Light with a company brain. He says costs must fall for personal agents to become mainstream. He warns against over-prioritizing repeatability and safety in agents. He prefers user-controlled personal AI over Big Tech offerings.

• $100,000 to $200,000 per year on tokens
• 23 Claude Code skills in gstack
• 20 years of therapy notes