Force multiplier for the zero-cost builder

Agentic intelligence can help amplify your output, but no one can think for you

As the AI armageddon rolls on, each one of us is already feeling battered and bruised. But what if I tell you that the threat to you isn't AI, but your colleague who figured out how to use it while you were still debating whether it mattered.

When I started TDP, I imposed a single constraint upon myself: to build without hiring anyone until I hit a wall I genuinely couldn't solve alone. This wasn't asceticism. It was a test. If the cost of building software is truly collapsing toward zero, I needed to discover where I'd actually need another human.

The wall never came.

Within weeks, I could prototype features in hours that would have taken a small team days. I remembered how, at CreditVidya and Prefr, building anything required coordination - from convincing stakeholders to scheduling meetings and managing dependencies. The bottleneck now is no longer "how long will this take?" It is "how do I know if this is worth building at all?" When making becomes nearly free, the only scarce resources are conviction, judgment, taste and speed of learning.

Skills of discernment, of sorting wheat from chaff, will separate winners from casualties across every knowledge-work industry. But how do you develop these skills? Simple! Do your own thinking.


The pattern history keeps showing us
Thirty years ago, Microsoft Office promised to free us from drudgery. Spreadsheets and word processors would let us work less. Instead, documents ballooned from two pages to twenty. Henry Ford's assembly line slashed car production time so dramatically that Ford hired more workers, not fewer. Lower costs sparked demand. ATMs automated bank tellers' core function, yet the number of teller jobs increased because branches became cheaper to operate. About sixty per cent of today's jobs didn't exist in 1940. Technology doesn't reduce work; it births new categories of work.

But AI is different in two critical ways. First: speed. Previous shifts took decades. AI is compressing the transformation into months. Second: atomization. The assembly line accelerated car-making. AI disassembles your job task by task and asks: which parts actually need you?

Your job is a bundle of tasks, and the bundle is exploding
AI is surgically dissecting work into tasks, separating them into three categories:

Automatable tasks (repetitive, rules-based, digital): AI owns these now.

Augmentable tasks (require judgment, but AI makes you 3-10X faster): The new battleground.

Core human tasks (taste, empathy, high-stakes judgment under ambiguity): Still yours, if you're good enough.

Right now, fifteen per cent of all U.S. work tasks can be done significantly faster with AI without quality loss. By 2027, that jumps to forty-two per cent. McKinsey estimates that by 2030, nearly thirty per cent of hours currently worked could be automated. Since late 2022, workers aged 22-25 have seen a thirteen per cent employment decline in AI-exposed roles: software development, marketing, and customer service. The roles are not disappearing, but reconstituted. Future analysts won't gather data; they'll verify AI outputs and hunt for insights the models miss. The managers who survive will be those who coach, build culture, and make judgment calls under genuine ambiguity.


Why smarter people win exponentially bigger
Balaji Srinivasan articulated what may be the most important insight about this transition: AI represents amplified intelligence, not agentic intelligence. The distinction is everything. This means AI's effectiveness scales directly with user competence. The smarter you are, the smarter the AI becomes. Better writers craft better prompts. Experienced analysts verify outputsmore effectively because they know which assumptions hide in models and which red flags indicate flawed reasoning. AI doesn't level the playing field. It tilts it more steeply in favour of those who already possess judgment. Exercise this judgment. Don’t let AI decide for you, but confirm through AI why you have already decided.
The prompting and verifying process is a learnable skill, not an innate talent. But the gapbetween those learning it and those ignoring it compounds weekly.
There's another dynamic at play: AI doesn't take your job; it takes the previous AI's job. Once you've allocated a workflow slot for AI image generation or code generation, you simply upgrade to the latest model. Organisations that integrate AI early develop muscle memory for these tools and find new versions trivial to adopt. Organisations resisting it fall behind by a constant margin, and the gap compounds with each model generation.

From bell curve to power law: The new distribution of value For most of industrial history, performance followed a bell curve. The best performer might be 2-3X more productive than the median. Compensation reflected this: pay bands were tight, and exceptional performance earned perhaps 20-30% more than average.

AI shatters this distribution. We're shifting from bell curve to power law, where small differences in judgment and taste translate to exponential differences in output - and value capture.

Here's why: In a ‘power law’ world, AI amplification unbounds output from personal capacity. A great analyst using AI effectively produces work that's 10X better and 10X faster than the average analyst using AI poorly. That's not a 2X advantage - it's 100X. And because AI improves continuously, the gap widens every quarter. The best performers aren't slightly ahead. They're operating in a different league entirely.

The implications for organisations are profound. In a bell curve world, you could field a competitive team by hiring lots of "pretty good" people. In a ‘power law’ world, that strategy fails catastrophically. Three exceptional people with AI leverage will consistently beat thirty good people without it. Not occasionally, every single time. The math has changed.

The uncomfortable reality: we're moving toward a professional landscape where the top 10% capture 90% of the value, while the middle 80% fight for scraps. This isn't because people are lazy or stupid. It's because AI amplification creates multiplicative rather than additive advantages. If you're 10% better at judgment and you're using tools that multiply your output 10X, you're not 10% ahead, you're in a completely different competitive bracket.

Small teams will obliterate large ones
The most consequential shift has been seen in the collapse of coordination costs. Five-person teams with AI augmentation out-execute fifty-person teams without it. Not by working harder, but by operating at different cycle times. While the large team waits for Monday's meeting, the small team has prototyped three variants, tested with users, killed two, and doubled down on the winner. These teams need leadership that's fewer in number but more essential - coaches and culture-carriers who clarify purpose and maintain standards, not gatekeepers who approve decisions.

The paradox: flatter organisations need more leadership, not less. But leadership of a different kind - those who develop capabilities, build trust, and maintain coherence at speed.

The crisis of irrelevance
Here's the anxiety no one voices in meetings: the deepest fear isn't losing your job to a machine. It's losing relevance to a peer. It's the terrifying realisation that your colleague, equipped with AI and the judgment to wield it, is suddenly operating at an inhuman scale, completing your week's work in a day. The competitive threat isn't a faceless algorithm. It's the person three desks away who figured out orchestration while you debated whether this was serious.

Researchers call this "Treadmill Anxiety", running harder while the finish line recedes. Professionals report feeling trapped: investing enormous energy in adaptation while watching their expertise devalue in real time. The pressure is relentless, the pace unsustainable, and the mastery that once anchored identity has become unstable.

The Erosion of Mastery cuts deepest. Consider a financial analyst who spent a decade perfecting valuation models, developing intuition for when numbers don't make sense. That expertise - built through thousands of hours - can now be partially replicated by AI in minutes. The value proposition shifts from "I build models" to "I verify what AI built. " For many, this feels like diminishment, even when output improves and work becomes more strategic.

This transition is forging a new professional privilege. The advantage no longer comes primarily from seniority, credentials, or networks. It accrues to those with a brutal combination: cognitive fitness (learning quickly), low ego (letting machines handle work you once did manually), and temperament for ambiguity (comfort when best practices are being invented in real time).

Those struggling most built their identity around execution excellence. If self-worth is tied to producing thorough analysis or polished presentations, watching AI compress that into minutes creates an identity crisis transcending economics. The shift from maker to orchestrator requires mourning a loss, genuine psychological work that organisations rarely acknowledge.

The only risk that matters

The cost of building is collapsing. Value is migrating to taste, judgment, and distribution. Small teams with AI are already out-executing large teams without it, not in eighteen months, but right now, today, while you're reading this.

The professionals who win won't be those who resist or those who blindly adopt. They'll be those who understand they're playing a different game entirely. A game where the distribution of outcomes has fundamentally changed, where being "pretty good" is no longer pretty goodenough, and where the gap between great and merely competent has become unbridgeable.

Here's what nobody's telling you: the only real risk right now is the risk of inaction. Of sticking to your routine while the ground shifts beneath you. Of waiting for permission to start learning. Of believing that showing up and doing your job well - the way it's always been done - will somehow be enough.

It won't be.

One morning, not far from now, you'll walk into your office and realise the world changed overnight. Except it didn't change overnight. It changed gradually, then suddenly, while you were waiting for the right moment to start adapting. And you'll have a choice to make, except by then it won't feel like a choice. It'll feel like an ultimatum.

The constraint on competitive advantage is no longer capital or team size. It's taste, judgment, and learning speed. When anyone can build anything, the only edge is knowing what deserves building, and iterating faster than everyone else.

Your colleague has already made the choice. They're not smarter than you. They're not more talented. They just started six months earlier. And in a world where advantages compound weekly, six months might as well be six years.

The transformation is underway. The only question is whether you're adapting at market speed, or clinging to the comfort of routine while others build the future.


The pattern history keeps showing us
Thirty years ago, Microsoft Office promised to free us from drudgery. Spreadsheets and word processors would let us work less. Instead, documents ballooned from two pages to twenty. Henry Ford's assembly line slashed car production time so dramatically that Ford hired more workers, not fewer. Lower costs sparked demand. ATMs automated bank tellers' core function, yet the number of teller jobs increased because branches became cheaper to operate. About sixty per cent of today's jobs didn't exist in 1940. Technology doesn't reduce work; it births new categories of work.

But AI is different in two critical ways. First: speed. Previous shifts took decades. AI is compressing the transformation into months. Second: atomization. The assembly line accelerated car-making. AI disassembles your job task by task and asks: which parts actually need you?

Your job is a bundle of tasks, and the bundle is exploding
AI is surgically dissecting work into tasks, separating them into three categories:

Automatable tasks (repetitive, rules-based, digital): AI owns these now.

Augmentable tasks (require judgment, but AI makes you 3-10X faster): The new battleground.

Core human tasks (taste, empathy, high-stakes judgment under ambiguity): Still yours, if you're good enough.

Right now, fifteen per cent of all U.S. work tasks can be done significantly faster with AI without quality loss. By 2027, that jumps to forty-two per cent. McKinsey estimates that by 2030, nearly thirty per cent of hours currently worked could be automated. Since late 2022, workers aged 22-25 have seen a thirteen per cent employment decline in AI-exposed roles: software development, marketing, and customer service. The roles are not disappearing, but reconstituted. Future analysts won't gather data; they'll verify AI outputs and hunt for insights the models miss. The managers who survive will be those who coach, build culture, and make judgment calls under genuine ambiguity.


Why smarter people win exponentially bigger
Balaji Srinivasan articulated what may be the most important insight about this transition: AI represents amplified intelligence, not agentic intelligence. The distinction is everything. This means AI's effectiveness scales directly with user competence. The smarter you are, the smarter the AI becomes. Better writers craft better prompts. Experienced analysts verify outputsmore effectively because they know which assumptions hide in models and which red flags indicate flawed reasoning. AI doesn't level the playing field. It tilts it more steeply in favour of those who already possess judgment. Exercise this judgment. Don’t let AI decide for you, but confirm through AI why you have already decided.
The prompting and verifying process is a learnable skill, not an innate talent. But the gapbetween those learning it and those ignoring it compounds weekly.
There's another dynamic at play: AI doesn't take your job; it takes the previous AI's job. Once you've allocated a workflow slot for AI image generation or code generation, you simply upgrade to the latest model. Organisations that integrate AI early develop muscle memory for these tools and find new versions trivial to adopt. Organisations resisting it fall behind by a constant margin, and the gap compounds with each model generation.

From bell curve to power law: The new distribution of value For most of industrial history, performance followed a bell curve. The best performer might be 2-3X more productive than the median. Compensation reflected this: pay bands were tight, and exceptional performance earned perhaps 20-30% more than average.

AI shatters this distribution. We're shifting from bell curve to power law, where small differences in judgment and taste translate to exponential differences in output - and value capture.

Here's why: In a ‘power law’ world, AI amplification unbounds output from personal capacity. A great analyst using AI effectively produces work that's 10X better and 10X faster than the average analyst using AI poorly. That's not a 2X advantage - it's 100X. And because AI improves continuously, the gap widens every quarter. The best performers aren't slightly ahead. They're operating in a different league entirely.

The implications for organisations are profound. In a bell curve world, you could field a competitive team by hiring lots of "pretty good" people. In a ‘power law’ world, that strategy fails catastrophically. Three exceptional people with AI leverage will consistently beat thirty good people without it. Not occasionally, every single time. The math has changed.

The uncomfortable reality: we're moving toward a professional landscape where the top 10% capture 90% of the value, while the middle 80% fight for scraps. This isn't because people are lazy or stupid. It's because AI amplification creates multiplicative rather than additive advantages. If you're 10% better at judgment and you're using tools that multiply your output 10X, you're not 10% ahead, you're in a completely different competitive bracket.

Small teams will obliterate large ones
The most consequential shift has been seen in the collapse of coordination costs. Five-person teams with AI augmentation out-execute fifty-person teams without it. Not by working harder, but by operating at different cycle times. While the large team waits for Monday's meeting, the small team has prototyped three variants, tested with users, killed two, and doubled down on the winner. These teams need leadership that's fewer in number but more essential - coaches and culture-carriers who clarify purpose and maintain standards, not gatekeepers who approve decisions.

The paradox: flatter organisations need more leadership, not less. But leadership of a different kind - those who develop capabilities, build trust, and maintain coherence at speed.

The crisis of irrelevance
Here's the anxiety no one voices in meetings: the deepest fear isn't losing your job to a machine. It's losing relevance to a peer. It's the terrifying realisation that your colleague, equipped with AI and the judgment to wield it, is suddenly operating at an inhuman scale, completing your week's work in a day. The competitive threat isn't a faceless algorithm. It's the person three desks away who figured out orchestration while you debated whether this was serious.

Researchers call this "Treadmill Anxiety", running harder while the finish line recedes. Professionals report feeling trapped: investing enormous energy in adaptation while watching their expertise devalue in real time. The pressure is relentless, the pace unsustainable, and the mastery that once anchored identity has become unstable.

The Erosion of Mastery cuts deepest. Consider a financial analyst who spent a decade perfecting valuation models, developing intuition for when numbers don't make sense. That expertise - built through thousands of hours - can now be partially replicated by AI in minutes. The value proposition shifts from "I build models" to "I verify what AI built. " For many, this feels like diminishment, even when output improves and work becomes more strategic.

This transition is forging a new professional privilege. The advantage no longer comes primarily from seniority, credentials, or networks. It accrues to those with a brutal combination: cognitive fitness (learning quickly), low ego (letting machines handle work you once did manually), and temperament for ambiguity (comfort when best practices are being invented in real time).

Those struggling most built their identity around execution excellence. If self-worth is tied to producing thorough analysis or polished presentations, watching AI compress that into minutes creates an identity crisis transcending economics. The shift from maker to orchestrator requires mourning a loss, genuine psychological work that organisations rarely acknowledge.

The only risk that matters

The cost of building is collapsing. Value is migrating to taste, judgment, and distribution. Small teams with AI are already out-executing large teams without it, not in eighteen months, but right now, today, while you're reading this.

The professionals who win won't be those who resist or those who blindly adopt. They'll be those who understand they're playing a different game entirely. A game where the distribution of outcomes has fundamentally changed, where being "pretty good" is no longer pretty goodenough, and where the gap between great and merely competent has become unbridgeable.

Here's what nobody's telling you: the only real risk right now is the risk of inaction. Of sticking to your routine while the ground shifts beneath you. Of waiting for permission to start learning. Of believing that showing up and doing your job well - the way it's always been done - will somehow be enough.

It won't be.

One morning, not far from now, you'll walk into your office and realise the world changed overnight. Except it didn't change overnight. It changed gradually, then suddenly, while you were waiting for the right moment to start adapting. And you'll have a choice to make, except by then it won't feel like a choice. It'll feel like an ultimatum.

The constraint on competitive advantage is no longer capital or team size. It's taste, judgment, and learning speed. When anyone can build anything, the only edge is knowing what deserves building, and iterating faster than everyone else.

Your colleague has already made the choice. They're not smarter than you. They're not more talented. They just started six months earlier. And in a world where advantages compound weekly, six months might as well be six years.

The transformation is underway. The only question is whether you're adapting at market speed, or clinging to the comfort of routine while others build the future.


The pattern history keeps showing us
Thirty years ago, Microsoft Office promised to free us from drudgery. Spreadsheets and word processors would let us work less. Instead, documents ballooned from two pages to twenty. Henry Ford's assembly line slashed car production time so dramatically that Ford hired more workers, not fewer. Lower costs sparked demand. ATMs automated bank tellers' core function, yet the number of teller jobs increased because branches became cheaper to operate. About sixty per cent of today's jobs didn't exist in 1940. Technology doesn't reduce work; it births new categories of work.

But AI is different in two critical ways. First: speed. Previous shifts took decades. AI is compressing the transformation into months. Second: atomization. The assembly line accelerated car-making. AI disassembles your job task by task and asks: which parts actually need you?

Your job is a bundle of tasks, and the bundle is exploding
AI is surgically dissecting work into tasks, separating them into three categories:

Automatable tasks (repetitive, rules-based, digital): AI owns these now.

Augmentable tasks (require judgment, but AI makes you 3-10X faster): The new battleground.

Core human tasks (taste, empathy, high-stakes judgment under ambiguity): Still yours, if you're good enough.

Right now, fifteen per cent of all U.S. work tasks can be done significantly faster with AI without quality loss. By 2027, that jumps to forty-two per cent. McKinsey estimates that by 2030, nearly thirty per cent of hours currently worked could be automated. Since late 2022, workers aged 22-25 have seen a thirteen per cent employment decline in AI-exposed roles: software development, marketing, and customer service. The roles are not disappearing, but reconstituted. Future analysts won't gather data; they'll verify AI outputs and hunt for insights the models miss. The managers who survive will be those who coach, build culture, and make judgment calls under genuine ambiguity.


Why smarter people win exponentially bigger
Balaji Srinivasan articulated what may be the most important insight about this transition: AI represents amplified intelligence, not agentic intelligence. The distinction is everything. This means AI's effectiveness scales directly with user competence. The smarter you are, the smarter the AI becomes. Better writers craft better prompts. Experienced analysts verify outputsmore effectively because they know which assumptions hide in models and which red flags indicate flawed reasoning. AI doesn't level the playing field. It tilts it more steeply in favour of those who already possess judgment. Exercise this judgment. Don’t let AI decide for you, but confirm through AI why you have already decided.
The prompting and verifying process is a learnable skill, not an innate talent. But the gapbetween those learning it and those ignoring it compounds weekly.
There's another dynamic at play: AI doesn't take your job; it takes the previous AI's job. Once you've allocated a workflow slot for AI image generation or code generation, you simply upgrade to the latest model. Organisations that integrate AI early develop muscle memory for these tools and find new versions trivial to adopt. Organisations resisting it fall behind by a constant margin, and the gap compounds with each model generation.

From bell curve to power law: The new distribution of value For most of industrial history, performance followed a bell curve. The best performer might be 2-3X more productive than the median. Compensation reflected this: pay bands were tight, and exceptional performance earned perhaps 20-30% more than average.

AI shatters this distribution. We're shifting from bell curve to power law, where small differences in judgment and taste translate to exponential differences in output - and value capture.

Here's why: In a ‘power law’ world, AI amplification unbounds output from personal capacity. A great analyst using AI effectively produces work that's 10X better and 10X faster than the average analyst using AI poorly. That's not a 2X advantage - it's 100X. And because AI improves continuously, the gap widens every quarter. The best performers aren't slightly ahead. They're operating in a different league entirely.

The implications for organisations are profound. In a bell curve world, you could field a competitive team by hiring lots of "pretty good" people. In a ‘power law’ world, that strategy fails catastrophically. Three exceptional people with AI leverage will consistently beat thirty good people without it. Not occasionally, every single time. The math has changed.

The uncomfortable reality: we're moving toward a professional landscape where the top 10% capture 90% of the value, while the middle 80% fight for scraps. This isn't because people are lazy or stupid. It's because AI amplification creates multiplicative rather than additive advantages. If you're 10% better at judgment and you're using tools that multiply your output 10X, you're not 10% ahead, you're in a completely different competitive bracket.

Small teams will obliterate large ones
The most consequential shift has been seen in the collapse of coordination costs. Five-person teams with AI augmentation out-execute fifty-person teams without it. Not by working harder, but by operating at different cycle times. While the large team waits for Monday's meeting, the small team has prototyped three variants, tested with users, killed two, and doubled down on the winner. These teams need leadership that's fewer in number but more essential - coaches and culture-carriers who clarify purpose and maintain standards, not gatekeepers who approve decisions.

The paradox: flatter organisations need more leadership, not less. But leadership of a different kind - those who develop capabilities, build trust, and maintain coherence at speed.

The crisis of irrelevance
Here's the anxiety no one voices in meetings: the deepest fear isn't losing your job to a machine. It's losing relevance to a peer. It's the terrifying realisation that your colleague, equipped with AI and the judgment to wield it, is suddenly operating at an inhuman scale, completing your week's work in a day. The competitive threat isn't a faceless algorithm. It's the person three desks away who figured out orchestration while you debated whether this was serious.

Researchers call this "Treadmill Anxiety", running harder while the finish line recedes. Professionals report feeling trapped: investing enormous energy in adaptation while watching their expertise devalue in real time. The pressure is relentless, the pace unsustainable, and the mastery that once anchored identity has become unstable.

The Erosion of Mastery cuts deepest. Consider a financial analyst who spent a decade perfecting valuation models, developing intuition for when numbers don't make sense. That expertise - built through thousands of hours - can now be partially replicated by AI in minutes. The value proposition shifts from "I build models" to "I verify what AI built. " For many, this feels like diminishment, even when output improves and work becomes more strategic.

This transition is forging a new professional privilege. The advantage no longer comes primarily from seniority, credentials, or networks. It accrues to those with a brutal combination: cognitive fitness (learning quickly), low ego (letting machines handle work you once did manually), and temperament for ambiguity (comfort when best practices are being invented in real time).

Those struggling most built their identity around execution excellence. If self-worth is tied to producing thorough analysis or polished presentations, watching AI compress that into minutes creates an identity crisis transcending economics. The shift from maker to orchestrator requires mourning a loss, genuine psychological work that organisations rarely acknowledge.

The only risk that matters

The cost of building is collapsing. Value is migrating to taste, judgment, and distribution. Small teams with AI are already out-executing large teams without it, not in eighteen months, but right now, today, while you're reading this.

The professionals who win won't be those who resist or those who blindly adopt. They'll be those who understand they're playing a different game entirely. A game where the distribution of outcomes has fundamentally changed, where being "pretty good" is no longer pretty goodenough, and where the gap between great and merely competent has become unbridgeable.

Here's what nobody's telling you: the only real risk right now is the risk of inaction. Of sticking to your routine while the ground shifts beneath you. Of waiting for permission to start learning. Of believing that showing up and doing your job well - the way it's always been done - will somehow be enough.

It won't be.

One morning, not far from now, you'll walk into your office and realise the world changed overnight. Except it didn't change overnight. It changed gradually, then suddenly, while you were waiting for the right moment to start adapting. And you'll have a choice to make, except by then it won't feel like a choice. It'll feel like an ultimatum.

The constraint on competitive advantage is no longer capital or team size. It's taste, judgment, and learning speed. When anyone can build anything, the only edge is knowing what deserves building, and iterating faster than everyone else.

Your colleague has already made the choice. They're not smarter than you. They're not more talented. They just started six months earlier. And in a world where advantages compound weekly, six months might as well be six years.

The transformation is underway. The only question is whether you're adapting at market speed, or clinging to the comfort of routine while others build the future.

No items found.

No items found.

The biggest risk you're taking right now isn't experimenting with AI. It's the risk of not starting.Today.

Because your colleague? They just shipped while you were reading this.

To be continued…