8/23/2026 at 9:04:54 PM
I feel like I'm living in a parallel universe when I read these types of posts.My agents have never created code that is straight-up garbage and I have never flushed a week's worth of tokens down the toilet. I just can't identify with all the constant complaints about AI-assisted coding.
And my biggest project isn't some hello world app. It's a self-hosted, privacy-focused personal financial management application that I intend to open source. It's about 126k LOC against 240k LOC of regression tests and 30k LOC of CI/CD pipeline. I'm doing 24x7 mutation testing on a dedicated box against the accounting engine and temporal systems. I even have specialized agents doing audits against Regulation Z (US banking law) criteria so the app models the required behavior of banks.
Most of my complaints about everything are nits, like the overly verbose and dense way LLMs communicate with me. Or their predisposition to add, add, and add more stuff when proper engineering practices are more often about subtraction (but I've built mitigation guardrails against a lot of that).
by ad_fontes
8/23/2026 at 9:41:35 PM
> Or their predisposition to add, add, and add more stuff when proper engineering practices are more often about subtraction (but I've built mitigation guardrails against a lot of that).> a… personal financial management application… about 126k LOC against 240k LOC of regression tests and 30k LOC of CI/CD pipeline
Just how much functionality are you getting out of that? It's hard for me to imagine that people want that much out of such a program. I just keep a spreadsheet. (Yes, LibreOffice is also very bloated.)
by zahlman
8/23/2026 at 10:31:29 PM
My wife was a diehard YNAB user before we met but it went by the wayside once we merged finances. She wanted to get back to better managing our money and started using Google Sheets and then got stuck. She asked me for help trying to create a pivot table and like any good engineer, I built her an entirely new application instead.In my defense though, it does way more than a spreadsheet. Stuff like OCRing screenshots of bank transactions with a specialized, locally-hosted LLM to avoid data harvesters like Plaid. This became an entirely separate subsystem with verification, automated model benchmarking, prompt provenance, etc.
You'd be surprised at how quickly edge cases start to pile up when an accounting system makes contact with the real world. (If you buy something on a credit card and then return it after your statement closes but before your payment is due, do you still owe a minimum payment based on that purchase? Well... depends on your bank. Capital One and Chase: yes, US Bank: no.)
> Just how much functionality are you getting out of that?
I'm still dogfooding it. It's a pretty opinionated app that has things a month-end closing ceremony, reconciliation processes, envelope-based budgeting cycles. So unfortunately my feedback cycle is largely locked to the calendar. But my wife absolutely loves it so far.
by ad_fontes
8/24/2026 at 4:59:53 AM
> do you still owe a minimum payment based on that purchase?I'm skeptical that the UX is improved much by having the app know the answer. The bank tells you what to pay, a month beforehand. The user has to get that number from the bank anyway, to be sure they don't incur fees. Your app should just pull it from the statements, not independently calculate it.
by zzrrt
8/24/2026 at 2:45:46 PM
That's a valid point.But ad_fontes was describing an edge case and that was an excellent example of one (regardless of whether it was an important or necessary feature).
by ksaun
8/24/2026 at 5:51:20 AM
> Just how much functionality are you getting out of that? It's hard for me to imagine that people want that much out of such a program. I just keep a spreadsheet. (Yes, LibreOffice is also very bloated.)I suspect it depends a lot on which jurisdiction you live under.
My investment portfolio and its management are so trivial, I don't even use a spreadsheet. It's literally just two items: a global index fund and a margin loan. I don't even keep a cash cushion: I use the margin loan or just sell stock, when I need cash.
I can get away with this, partially because we pay no capital gains tax where I live, and there's no capital controls either.
If I had to work around all these tax complications that I read about, like determining which tax lot you should sell or whatever, I would probably appreciate a comprehensive personal financial management application.
by eru
8/24/2026 at 2:25:19 PM
Pretty sure LibreOffice Calc is a lot more than 126k LOC.by limagnolia
8/24/2026 at 4:00:03 PM
> Yes, LibreOffice is also very bloatedI've used gnumeric for at least 15 years when I've needed a spreadsheet
by iso1631
8/24/2026 at 1:35:44 PM
No disrespect but 30k LOC of CI/CD pipeline sounds truly terrible.If your build scripts are more than 100-300 LOC you are doing something very wrong.
by fzeindl
8/23/2026 at 9:26:03 PM
Personal finance tracker - the TODO app of 2026.by WD-42
8/23/2026 at 10:08:26 PM
I'm not sure if this is snark or not, but yes, there is something fundamentally interesting about the fact that "personal finance tracker" is now a project with the same craft valence as a todo list, the "hello world" of the last 20 years of programming. It also says something new about todo list programs, and programs of that ilk/level of complexity: they're now subthreshold programming, or, the way I look at things, a level of programming now accessible to nonprogrammers.by tptacek
8/24/2026 at 2:22:01 AM
I replaced my todo list tracker with a vibe coded one, while waiting for things to happen in the middle of a trial. We're living in the future.by rayiner
8/24/2026 at 2:49:09 AM
It's fucking weird and I think we're not talking about it enough.by tptacek
8/24/2026 at 5:30:30 AM
I got through a trial using a document manager I vibe coded in two days. No crashes, no runaway memory usage with several gigs of PDFs. All my depo transcripts, expert reports, etc, indexed, with a terminal window integrated so i can ask Grok to “pull up the testimony on the first day when that guy said that thing.” The app has an API so the AI can directly control what documents i’m looking at and jump me to the right places. All I had to do was tell Claude to “expose all the document viewing functionality through applescript,” then tell Grok to “read the applescript dictionary and write yourself a skill.”It’s like ye olde times when we had overqualified efficient paralegals who could do stuff like that.
by rayiner
8/24/2026 at 4:01:52 AM
Here’s my theory for why this is happening, from the thread the other day on not being excited about technology anymore:by keeda
8/24/2026 at 11:39:09 AM
I hope that’s sarcasm or that I’m misunderstanding what you mean. Have you looked at the front-page of HN? At the new submissions? Social media? Newspapers? YouTube videos? It’s bonkers to me anyone could claim with any degree of seriousness that we’re not talking about this enough. We’re talking about it too much.by latexr
8/24/2026 at 4:47:00 PM
I don't know what to tell you. I bounce off 80% of the AI stories on the front page too, and I have the same frustration. But the change that's happening now to our field is profound. It sucks that the conversation we're having on HN is a debate between AI maximalists and the "clanker" people, rather than e.g. reconsidering Raskin's Humane Interface in light of what we can see computers will be like in 10 years.by tptacek
8/24/2026 at 2:26:14 AM
For sure, but it doesn't say anything about what GP was trying to communicate: that they can't relate to how anyone making serious (emphasis and paraphrasing mine) app with "AI" is facing these problems.by sodapopcan
8/24/2026 at 2:57:47 AM
>the "hello world" of the last 20 years of programmingThe "hello world" is mostly for making sure your toolchain is working correctly.
by mrheosuper
8/24/2026 at 3:06:39 AM
Yes, and the todo app is for making sure you have the most basic understanding required to hold it right.by tptacek
8/24/2026 at 3:27:24 AM
i was reading your comment as "todo app" replaced the "hello world", which is now replaced by "finance tracker app", but in fact the todo app didn't replace hello_world.by mrheosuper
8/24/2026 at 4:26:06 AM
its something people want but has been both too difficult to be worth building, and not something you want to use some SASS for where youre giving all your financial data over to a third party and the governmentsuddenly they're tractable without taking too much time investment
by 8note
8/23/2026 at 10:51:00 PM
voice dictation keyboard took the first half of 2026 for meby fragmede
8/24/2026 at 1:39:01 AM
Surprising because they all still suck.Except my upcoming one of course.
/s
by alasano
8/23/2026 at 9:32:22 PM
> personal financial management application> 126k LOC against 240k LOC of regression tests and 30k LOC of CI/CD pipeline
I mean...
Yeah, that's pretty self-explanatory why you don't identify complains about AI-assisted coding.
by raincole
8/23/2026 at 10:49:49 PM
Yeah. I was thinking the same thing :-)by lelanthran
8/24/2026 at 3:26:31 AM
Right? This has to be bait. I hope.by treykeown
8/24/2026 at 2:03:49 AM
> I feel like I'm living in a parallel universe when I read these types of posts.> And my biggest project isn't some hello world app. It's a self-hosted, privacy-focused personal financial management application that I intend to open source. It's about 126k LOC against 240k LOC of regression tests and 30k LOC of CI/CD pipeline.
Indeed; non-overlapping Overton windows.
edit: I'm going bluntly ask, after pondering this more: Is this satire?
by the__alchemist
8/24/2026 at 3:40:04 AM
Not satire. But I can understand why my comment seemed contradictory.I've been designing software for a long time, but I'm nowhere near as good as most career SDEs I know (my career path has been SDE-adjacent). So it's not like I sat down and independently told various LLMs how to build out all these guardrails. I make high level architecture decisions and nudge them in the right direction ("use RabbitMQ", "trunk-based branching, not gitflow", etc).
A lot of this stuff evolved piecemeal and organically. But at no point was a churning out garbage and I never had a runaway agent completely derail the project (or my budget). But, thinking about it more, I guess there are some things I might have done differently than most people:
- I started with documentation: user interview --> user stories --> functional spec --> frozen design contract. These were all done before I wrote any code.
- I specified the tech stack and the architecture in broad strokes, rather than let the LLMs make that decision. I went with boring choices because that's what I know best: Flask/Jinja, Alpine.js, Postgres.
- I've constantly gone back and refactored accumulated tech debt and have added hard CI gates for things like cyclomatic complexity, ensuring that docs don't drift from the underlying code, and an "apparatus ledger" that keeps track of all the rules and constraints that keep getting added.
- I make sure that each session proves that it's tests can fail before shipping a PR, so it's not writing meaningless tests.
Maybe I'm underestimating how impactful all those things add up to shape the behavior of the LLM agents? Because individually, I wouldn't expect them to have saved my from nearly all the AI pitfalls I read about.
by ad_fontes
8/24/2026 at 7:45:20 AM
I have a project of similar scope, a native mobile app I have been working on for four months.I get the same kind of snarky comments when I talk about it. Amazing how people who know nothing about the project think they know better than me about its quality or maintainability.
I doubt it's anything in particular that we are doing, I suspect it is rather a lack of trying and experience with the ones who are claiming agentic development does not work.
I have not once seen a believable story where for example the project broke down after 200k LOC, or after going live.
It is always inane stuff like in the OP, like the agent supposedly generated only tests and no code, sure.
Most of the ones I have seen were "I generated some code and did not like the output". No attempts of iterating and refactoring.
I believe they simply did not yet try our way of working.
by user43928
8/24/2026 at 12:40:36 AM
I signed up to say I’m also in the personal finance management camp. Scraping all financial institutions, AI can categorize things that I previously did manually, able to do tax projections, retirement analysis, categorize individual items in Amazon purchases, analyze travel purchases with points vs cash.Instead of paying for multiple apps that do small parts of it, I use existing codex subscription to make it better.
by ancientwisdom20
8/24/2026 at 1:45:42 AM
I have copilot (personal finance app), i pay $99/yr and let that scrape for me then i have everything is sqlite available locally.How are you scraping? Have you had success across institutions?
by miketery
8/23/2026 at 9:07:27 PM
How in the world do you need 30k LOC for your CI/CD??by yladiz
8/23/2026 at 10:28:10 PM
1. be the kind of guy who thinks more LOC = more betterer2. ask an LLM to do the needful and never ever look at the results except to count LOC
by floren
8/24/2026 at 3:50:59 AM
Because it's complex and I'm stuffing 30-50 PRs a day through it. 7 GHA workflows across four self-hosted runners.I'm on my third iteration, after constantly log jamming previous versions. Most steps aren't "run pytest", they're gates that guard against an LLM's bias to continuously add more and more complexity to a system.
I'm aware of the irony of having a complex system to mitigate complexity, but the key difference is these rules bound complexity growth. If you're legitimately interested in the details, let me know. I'm too tired to write up much more but would be willing to drop in a LLM-authored summary of the details.
by ad_fontes
8/24/2026 at 5:22:28 AM
The complexity of a ci/cd workflow is independent of the number of PR a day.by prmoustache
8/24/2026 at 12:24:29 PM
What are the project's capabilities? I have also written a personal finance application, and it's ~3k LOC total. And have several projects that are dramatically more complicated than a typical personal finance app, and are 30-50k.This begs the question: If you're using LLMs heavily, wouldn't it be better from a time, correctness, and token perspective to have a more compact and maintainable code base? We don't know what the personal finance app does, how quickly it runs, how much it improves your finance management, how easy it is to install and update etc, or how maintainable it is by people or LLMs. What you did post is a red flag of consequence, without mitigating factors: We know only the red flag.
Another perspective: I use LLMs heavily as well, but don't find they appreciably increase code verbosity, for a given set of features/requirements.
by the__alchemist
8/24/2026 at 2:55:57 PM
[flagged]by ad_fontes
8/24/2026 at 11:34:37 AM
I work for a gigantic financial institution with ~2000 devs pushing code daily with 100s of apps that need to be built and I'd be shocked if we were above 50kLOC for all the CI/CD stuff. It's probably far less considering the point of CI/CD is reproducibility and ease of adding to...by sensanaty
8/24/2026 at 5:53:54 AM
Could you drop the LLM-authored summary in a GitHub gist (or so) and link here?(Suggesting this route, so that we don't spam HN too much.)
by eru
8/24/2026 at 3:54:45 PM
Already posted above. And I wish I had thought of your gist idea before posting it.by ad_fontes
8/23/2026 at 9:13:21 PM
With some models, if you're not forcefully terse, probably 28k LOC of comments!by geerlingguy
8/23/2026 at 11:50:00 PM
It happens, but when it does, you need to ask yourself: if the agent is struggling this much to produce something that's working, am I taking the right approach?If you ask for a particular thing, they'll do it, even if it's not a good idea. When you start running into issues, they'll try to solve those issues for you. They'll do that as long as you keep asking, even if there's no good way to properly fix the issues, because the initial approach was wrong.
When an agent is struggling to produce something, I switch to asking it to re-evaluate the approach itself, and ask it to suggest a less brittle approach. I then chat through the various options, and choose the best approach that makes sense, and then the agent is back on track, producing properly working code without the issues.
Some people just keep pushing through on bad approaches, without questioning it and then blame the agent for being unable to finish it.
by ryan_lane
8/24/2026 at 6:27:52 AM
> 30k LOC of CI/CD pipelineHoly shit.
by sph
8/24/2026 at 5:01:00 AM
Are you surprised that when you look into the mirror and you see your own face not someone else's?Remember, models have no identity. They just try to say what they think you want them to say.
by conartist6
8/24/2026 at 5:04:48 AM
> I even have specialized agents doing audits against Regulation Z (US banking law) criteria so the app models the required behavior of banks.Can you elaborate on this? Clearly you cannot imply this means those audits have any real value since its just roleplay in this context right? Because your app in the current form will not be affected by Regulation Z in any way.
by altmanaltman
8/24/2026 at 12:15:27 AM
[dead]by catlover76