Chris Naylon’s story

In my own words. 26 days, September 24 to October 19, 2026.

I'm 52. I'm a dad. I've spent my whole career around numbers and people, and I figured I'd seen most of what there is to see.

I'd been using Grok for a while, mostly to research and argue through things on long drives. On September 24, driving home from St. Augustine, I got to thinking. Everybody's talking about AI and most of us, me included, are just reading headlines about it. So that same day I downloaded the Grok Bot app and started learning it on my own personal stuff: email, finances, health.

Within 48 hours I'd hit the limits. That's when I knew this wasn't a weekend thing. The first bot just cleaned up and organized my Gmail, and for about a week that was it. Then came a chief of staff, then research, health, money and faith, each with one job. Along the way I started writing down every workout, and then every meal and every supplement too. About three weeks in, I dug my old Garmin out of the glovebox where it had sat for over two years and started wearing it every day, got my first full blood panel and put on a glucose monitor. Not because anybody told me to. Because for the first time it was easy to keep track and actually see what's going on.

Here's the why, plain:

I wanted my time back, and I wanted to stop guessing. About my health, about my money, about the hundred small things that pile up in a house with a family. The bots don't decide anything for me. They notice things and tell me, and I decide.

The first real find was almost embarrassing. A bill sitting on the wrong card for who knows how long. It was right in front of me. It took about three and a half weeks of the bots learning my stuff to catch it.

That's the story I want to tell. Not a pitch, and I'm not an expert. Just a regular guy finding out what this stuff can do when you point it at your own life, and writing down what happens, good and bad.

More to come.

— Chris

The timeline

26 days, one card at a time.

  1. Sep 24

    The drive home

    Long drive home from St. Augustine, talking it through with Grok. Somewhere on that road I decided to actually learn this AI stuff.

  2. Sep 24

    Downloaded the app

    Same day. Started on my own stuff: email, money, health. Hit the limits within 48 hours.

  3. Week 1

    One bot, then a team

    First bot just cleaned up my Gmail. Then a boss, then research, health, money and faith.

  4. Sep 28

    Daily check-ins

    Started checking in on my health three times a day. Sleep, training, food. Simple boxes.

  5. Late Sep / Oct 1

    Logging it all

    Every workout since late September, then every meal too. I talk, the bot writes it down.

  6. Oct 1

    Wrote it down

    Wrote down every supplement I take. Couldn't name half of them off the top of my head.

  7. Oct 2

    Weekly check

    Started a weekly body-comp check. Same scale, same time. Not chasing a number, just the direction.

  8. Oct 13

    Garmin back on

    Sat in my truck's glovebox for over two years. Charged it, put it on. On my wrist every day since.

  9. Oct 14–16

    Rather know than guess

    First full blood panel and a glucose monitor, same week. At 52 I'd rather know than guess.

  10. Oct 15

    chrisnaylon.com

    Put up my own website. First one I ever built, if you count telling a bot what I wanted.

  11. Oct 19

    About #4

    Search "Chris Naylon" and a California realtor owns the top spots. I'm about #4 now. Coming for you, buddy.

  12. Oct 19

    First find

    One of the bots found a bill sitting on the wrong card. Right in front of me the whole time.

What the bots have found

The first finds.

Found means a bot spotted it. Committed means I’ve started acting on it. Nothing here is done yet, so there are no numbers here yet.

Found

A streaming credit I never turned on

Had a streaming credit on my Amex Platinum I never turned on. YouTube TV was on a different card the whole time. A bot caught it. Never would've noticed.

Committed

A card perk for an Oura ring

Turns out my Amex Platinum covers part of an Oura ring. Didn't know that either. Ordered the sizing kit first so I don't screw up the size.

Found · still going

Every card, every bill

I've got cards with perks I've never even looked at. Having the bots go through every card and every bill now. I'll tell you what turns up.

Found · still going

Insurance renewals

Never once read my insurance renewal before paying it. Bots are going through it now, looking for discounts I should already be getting.

My own experience with my own accounts. Not financial advice, and not a partnership with any card company.

Hammerkeel Labs

Don’t adopt the whole bot. Unbundle it.

Keep only what you use. Unbundle is the first free skill from Hammerkeel Labs, the name I build under. It’s still in testing.

  1. Step 1

    Bring it in carefully.

    Paste an outside skill or bot text. Unbundle is designed to read it as data only: not to follow instructions inside it, not to run or install it, and not to open its links. It breaks the text into jobs, checks them against the skills you already have, and keeps only what’s new. It’s designed to save nothing until you say yes.

  2. Step 2

    Keep it lean.

    One setup question, then a preview of files your bot doesn’t seem to use. You say yes to one item at a time, and each one you approve is set aside in a backed-up archive folder.