Y Combinator CEO Garry Tan disclosed on Walter Isaacson's podcast "The Builders" that he spends $100,000 to $200,000 annually on AI tokens, utilizing agents extensively for work, coding, research, and personal life management. Tan has open-sourced his configuration of 23 Claude Code skills, named "gstack," on GitHub to demonstrate agent capabilities. His agents possess full context across his digital footprint, including emails, Dropbox files, Apple Notes, and 20 years of therapy notes, functioning as an autonomous assistant that anticipates needs. Tan emphasizes treating agents as human-like collaborators rather than traditional deterministic software, warning that over-prioritizing repeatability and safety sacrifices their unique utility. Internally, Y Combinator employs an agent called "Stray Light," which maintains a "company brain" containing the total context of every backed founder, email correspondence, and application history to rebuild operational workflows. Despite his heavy usage, Tan identifies cost as the primary barrier to mainstream adoption of personal agents, calling his expenditure a "crazy privilege." He also expresses skepticism toward free agents controlled by large platforms like Meta, advocating instead for personally controlled, user-programmable AI to avoid centralized algorithmic control.