{"id":295259,"date":"2026-02-21T13:56:08","date_gmt":"2026-02-21T13:56:08","guid":{"rendered":"https:\/\/www.newsbeep.com\/nz\/295259\/"},"modified":"2026-02-21T13:56:08","modified_gmt":"2026-02-21T13:56:08","slug":"im-a-founder-using-20-a-month-ai-tools-instead-of-hiring-employees","status":"publish","type":"post","link":"https:\/\/www.newsbeep.com\/nz\/295259\/","title":{"rendered":"I&#8217;m a Founder Using $20-a-Month AI Tools Instead of Hiring Employees"},"content":{"rendered":"<p>This as-told-to essay is based on a conversation with Christina Puder, a 35-year-old solo founder based in Madrid. The following has been edited for length and clarity.<\/p>\n<p>When I took my side hustle full-time, I needed a website and accidentally fell into the world of building with AI.<\/p>\n<p>After trying an old website builder and failing, I hired a designer and an engineer part-time to do it. They were a bit slow, so while I was waiting, I tried using a suggested AI tool to build my website.<\/p>\n<p>I don&#8217;t have funding or a technical background, so I made a free account with <a target=\"_self\" class=\"\" href=\"https:\/\/www.businessinsider.com\/accel-to-lead-funding-round-for-lovable-2025-6\" data-track-click=\"{&quot;element_name&quot;:&quot;body_link&quot;,&quot;event&quot;:&quot;tout_click&quot;,&quot;index&quot;:&quot;bi_value_unassigned&quot;,&quot;product_field&quot;:&quot;bi_value_unassigned&quot;}\" rel=\"nofollow noopener\">Lovable, an AI coding assistant<\/a>. I started adding simple information about the website design, and all of a sudden, the AI platform built the entire landing page. That was my gateway into all the things AI can do.<\/p>\n<p>Sometimes using AI feels like I&#8217;m working with the dumbest person I&#8217;ve ever met, but the word &#8220;constraint&#8221; very rarely enters my mind when I think about <a target=\"_self\" class=\"\" href=\"https:\/\/www.businessinsider.com\/founder-hired-one-employee-uses-ai-as-middle-manager-2026-01\" data-track-click=\"{&quot;element_name&quot;:&quot;body_link&quot;,&quot;event&quot;:&quot;tout_click&quot;,&quot;index&quot;:&quot;bi_value_unassigned&quot;,&quot;product_field&quot;:&quot;bi_value_unassigned&quot;}\" rel=\"nofollow noopener\">how AI is enabling me<\/a> to run my business.<\/p>\n<p>Business Insider wants to talk to founders of AI-powered companies with fewer than 10 workers, and employees working alongside AI agents and bots, to understand what the &#8220;Tiny Teams&#8221; era really feels like \u2014 the wins, the fears, and the human skills that stand out. Share your story by filling out this <a target=\"_blank\" rel=\" nofollow noopener\" class=\"\" href=\"https:\/\/docs.google.com\/forms\/d\/e\/1FAIpQLScO-Lptuw9eirYFmkAfOKc1aOvrFIW1jT2FzxuLJSexsTLExg\/viewform?usp=header\" data-track-click=\"{&quot;click_type&quot;:&quot;other&quot;,&quot;element_name&quot;:&quot;callout_box&quot;,&quot;event&quot;:&quot;outbound_click&quot;}\">quick form<\/a>.<\/p>\n<p>                I didn&#8217;t set out to build an AI-powered business \u2014 I just wanted to move fast without hiring<\/p>\n<p>For about the last 10 years, I&#8217;ve been doing career coaching for product managers on the side of my full-time job. I went from zero clients to consistently having a full plate. In 2025, I decided to coach full-time.<\/p>\n<p>I knew I wanted to be bootstrapped, and hiring full-time employees was way too expensive. Part-time isn&#8217;t ideal either because that&#8217;s somebody who might not fully understand my business needs; it&#8217;s not their main focus.<\/p>\n<p>              <img xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"lazy-image \" encoding=\"UTF-8\" width=\"1\" height=\"1\" data-content-type=\"image\/jpeg\" srcs=\"{&quot;https:\/\/i.insider.com\/6998b1ddefb52c8bd0de93f2&quot;:{&quot;contentType&quot;:&quot;image\/jpeg&quot;,&quot;aspectRatioW&quot;:5152,&quot;aspectRatioH&quot;:6440}}\" alt=\"Chirstina Puder\"\/><\/p>\n<p>                      Puder doesn&#8217;t have a background and tech, but AI helped her built her own website.<\/p>\n<p>              Christopher Gregory-Rivera for BI<\/p>\n<p>Before building my website, I was a casual AI user. I would <a target=\"_self\" class=\"\" href=\"https:\/\/www.businessinsider.com\/openai-staff-6-tips-chatgpt-model-smarter-2025-12\" data-track-click=\"{&quot;element_name&quot;:&quot;body_link&quot;,&quot;event&quot;:&quot;tout_click&quot;,&quot;index&quot;:&quot;bi_value_unassigned&quot;,&quot;product_field&quot;:&quot;bi_value_unassigned&quot;}\" rel=\"nofollow noopener\">go to ChatGPT<\/a> for help with ideas, writing, and research. I don&#8217;t have a background in tech, and because of that, I initially didn&#8217;t think of AI as an enabler for my business. After building my website, I discovered how useful AI could be for both my webpage and the internal system of my business.<\/p>\n<p>Five free credits a day helped me build my website to scale my company<\/p>\n<p>When I tried building my website before using AI, I probably put in 30 or 40 hours, and it turned out so ugly and clunky. Then I started <a target=\"_self\" class=\"\" href=\"https:\/\/www.businessinsider.com\/lovable-ceo-anton-osika-vibe-coding-creative-employees-work-2025-10\" data-track-click=\"{&quot;element_name&quot;:&quot;body_link&quot;,&quot;event&quot;:&quot;tout_click&quot;,&quot;index&quot;:&quot;bi_value_unassigned&quot;,&quot;product_field&quot;:&quot;bi_value_unassigned&quot;}\" rel=\"nofollow noopener\">testing Loveable<\/a> using five free credits a day. After seeing how fast the AI tool worked and how good it looked, I knew I&#8217;d be back the next day to keep building.<\/p>\n<p>When I first started using Lovable, I think the credits were correlated to the number of messages I sent. I discovered a hack after I sent a message with a single easy change request, and it cost me a credit. In the next message, I put six requests, and it did all six changes and only took one credit again.<\/p>\n<p>I think they&#8217;ve discovered that loophole. Now, credit usage seems more closely tied to the <a target=\"_self\" class=\"\" href=\"https:\/\/www.businessinsider.com\/chatgpt-uses-17-thousand-times-more-electricity-than-us-household-2024-3\" data-track-click=\"{&quot;element_name&quot;:&quot;body_link&quot;,&quot;event&quot;:&quot;tout_click&quot;,&quot;index&quot;:&quot;bi_value_unassigned&quot;,&quot;product_field&quot;:&quot;bi_value_unassigned&quot;}\" rel=\"nofollow noopener\">amount of power<\/a> a request consumes. There are times I&#8217;m building, and I&#8217;m surprised because I won&#8217;t realize I&#8217;m making such an expensive request.<\/p>\n<p>I&#8217;m not sure how many credits it took to build my whole website. It&#8217;s definitely more than five, but someone could build a whole landing page with five credits. They could ask the <a target=\"_self\" class=\"\" href=\"https:\/\/www.businessinsider.com\/wall-street-top-ai-chatbots-tools-claude-chatgpt-gamma-2026-1\" data-track-click=\"{&quot;element_name&quot;:&quot;body_link&quot;,&quot;event&quot;:&quot;tout_click&quot;,&quot;index&quot;:&quot;bi_value_unassigned&quot;,&quot;product_field&quot;:&quot;bi_value_unassigned&quot;}\" rel=\"nofollow noopener\">AI tool<\/a> to make a basic website with three sections and brand colors, and I think it would honestly only take two and a half credits.<\/p>\n<p>I still use my 5 free credits almost every day, even though I have a paid subscription<\/p>\n<p>I switched to a paid account, and now I pay $20 a month for my subscription, which I don&#8217;t think is that expensive. I get 100 credits a month, plus my five free credits every day that don&#8217;t roll over.<\/p>\n<p>I&#8217;ve started to think of my <a target=\"_self\" class=\"\" href=\"https:\/\/www.businessinsider.com\/built-steve-jobs-custom-gpt-to-make-my-business-decisions-2026-1\" data-track-click=\"{&quot;element_name&quot;:&quot;body_link&quot;,&quot;event&quot;:&quot;tout_click&quot;,&quot;index&quot;:&quot;bi_value_unassigned&quot;,&quot;product_field&quot;:&quot;bi_value_unassigned&quot;}\" rel=\"nofollow noopener\">AI tools as workers<\/a>. I want to make sure I use them to their full capacity, which is why I always try to use the credits that don&#8217;t roll over. It&#8217;s the same as if I hired someone full-time: I&#8217;d want them to deliver high output every day.<\/p>\n<p>If it&#8217;s been a while since I&#8217;ve given my website backend some love, I&#8217;ll write a prompt asking which areas of the code would most benefit from a refactor, and ask it to rank them. Then, based on how many of my five credits I have left, I&#8217;ll tell it which areas to fix.<\/p>\n<p>AI helped me cut down the time for a task from one hour to one minute<\/p>\n<p>One service I offer is finding and applying to jobs for clients. Each client has very specific criteria for the kinds of jobs they want, and I would manually search for jobs that fit those criteria for each client.<\/p>\n<p>              <img xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"lazy-image \" encoding=\"UTF-8\" width=\"1\" height=\"1\" data-content-type=\"image\/jpeg\" srcs=\"{&quot;https:\/\/i.insider.com\/6998b18b156648bc16a89dc5&quot;:{&quot;contentType&quot;:&quot;image\/jpeg&quot;,&quot;aspectRatioW&quot;:7151,&quot;aspectRatioH&quot;:4767}}\" alt=\"Christina Puder\"\/><\/p>\n<p>                      Puder says she used AI to help her reduce a task that used to take 60 minutes down to one minute.<\/p>\n<p>              Christopher Gregory-Rivera for BI<\/p>\n<p>It used to take me around 60 minutes a day per client just to manually find the right jobs to apply for. I built AI-driven automations that <a target=\"_self\" class=\"\" href=\"https:\/\/www.businessinsider.com\/ai-tools-doubled-income-save-me-fifteen-hours-each-week-2025-9\" data-track-click=\"{&quot;element_name&quot;:&quot;body_link&quot;,&quot;event&quot;:&quot;tout_click&quot;,&quot;index&quot;:&quot;bi_value_unassigned&quot;,&quot;product_field&quot;:&quot;bi_value_unassigned&quot;}\" rel=\"nofollow noopener\">reduced search time<\/a> to one minute. Getting 60 minutes a day back for each of my clients has been a massive scale unlock.<\/p>\n<p>I really didn&#8217;t think it was possible.<\/p>\n<p>Sometimes I have to go back to a human engineer, but I&#8217;m still impressed with AI<\/p>\n<p>Every once in a while, things break, or <a target=\"_self\" class=\"\" href=\"https:\/\/www.businessinsider.com\/why-ai-chatbots-hallucinate-openai-chatgpt-anthropic-claude-2025-9\" data-track-click=\"{&quot;element_name&quot;:&quot;body_link&quot;,&quot;event&quot;:&quot;tout_click&quot;,&quot;index&quot;:&quot;bi_value_unassigned&quot;,&quot;product_field&quot;:&quot;bi_value_unassigned&quot;}\" rel=\"nofollow noopener\">I hit bugs<\/a>. There have been times when I&#8217;m building something, and I spend 40 credits trying to fix it. After a while, I&#8217;ll ask the AI to completely remove the feature we&#8217;re working on because we&#8217;ve hit a bug. I&#8217;ll tell them that instead of continuing to try to dig our way out, we&#8217;re just going to start from scratch.<\/p>\n<p>There was once an issue with some logos on my website. I tried and tried to prompt it to make them all look the same size together, but it wouldn&#8217;t do it. I eventually went back to my part-time engineer and asked them to fix it.<\/p>\n<p>Every once in a while, I go back to that engineer and just pay him to fix one or two specific things that I can&#8217;t get done.<\/p>\n<p>Do you have a story to share about running an AI-powered business? Contact this reporter, Agnes Applegate, at <a target=\"_blank\" href=\"https:\/\/www.businessinsider.com\/mailto:aapplegate@businessinsider.com\" data-track-click=\"{&quot;click_type&quot;:&quot;other&quot;,&quot;element_name&quot;:&quot;body_link&quot;,&quot;event&quot;:&quot;outbound_click&quot;}\" rel=\" nofollow noopener\">aapplegate@businessinsider.com<\/a>.<\/p>\n","protected":false},"excerpt":{"rendered":"This as-told-to essay is based on a conversation with Christina Puder, a 35-year-old solo founder based in Madrid.&hellip;\n","protected":false},"author":2,"featured_media":295260,"comment_status":"","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[20],"tags":[365,363,364,111,139,69,145],"class_list":{"0":"post-295259","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-artificial-intelligence","8":"tag-ai","9":"tag-artificial-intelligence","10":"tag-artificialintelligence","11":"tag-new-zealand","12":"tag-newzealand","13":"tag-nz","14":"tag-technology"},"_links":{"self":[{"href":"https:\/\/www.newsbeep.com\/nz\/wp-json\/wp\/v2\/posts\/295259","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.newsbeep.com\/nz\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.newsbeep.com\/nz\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.newsbeep.com\/nz\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/www.newsbeep.com\/nz\/wp-json\/wp\/v2\/comments?post=295259"}],"version-history":[{"count":0,"href":"https:\/\/www.newsbeep.com\/nz\/wp-json\/wp\/v2\/posts\/295259\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.newsbeep.com\/nz\/wp-json\/wp\/v2\/media\/295260"}],"wp:attachment":[{"href":"https:\/\/www.newsbeep.com\/nz\/wp-json\/wp\/v2\/media?parent=295259"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.newsbeep.com\/nz\/wp-json\/wp\/v2\/categories?post=295259"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.newsbeep.com\/nz\/wp-json\/wp\/v2\/tags?post=295259"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}