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Money Walking Out the Door
Chapter 8AI and automation

The Hours You Spend Doing Everything by Hand

7 min read1,597 words1 figure

The first half of this book was about the call. This half is about everything that happens around it. The text you send to confirm a date. The reminder a couple of days out. The deposit you ask for twice. The answer about your hours that you typed out yesterday and will type out again tomorrow.

None of that work is hard. It just never stops, and it all comes out of the same account, which is your time. Small businesses can go up against much bigger companies now in ways they couldn't a few years ago. What they run out of is hours in the day.

This one I've lived on both sides of. When the tools changed, so did the math on what one person can carry.

"And I realized, holy crow, I can do so much more as a single person with systems than I could ever in my entire life. I have always been someone who's needed a team to do most of the marketing, and now I can do that for myself and across ten, fifteen businesses without necessarily putting in more time."
Connor Gallic, on one person doing a team's work

A week of work nobody sees

Start with your own week, before any software. Most owners can tell you roughly how many jobs they did last month. Ask how many hours went to the stuff around those jobs and you get a shrug.

So look at what fills the gaps between jobs: answering the same questions by text, confirming bookings and chasing deposits, sending reminders, and pulling the month's numbers together so you can tell whether you made any money. None of it shows up on an invoice. All of it shows up on your Sunday.

The free way to see it is a sheet of paper next to your phone for one normal week. Every time you do something that isn't the job itself and isn't a real conversation with a customer, write down what it was and about how many minutes it took. Don't fix anything yet. Just count.

Let me do some math with made-up round numbers. Say you answer the same pricing question 10 times a week, and each one takes 3 minutes by the time you find the right numbers and type them out. So one question costs you 30 minutes. Say confirmations and reminders take another 2 hours, and chasing a couple of late deposits takes 1 more. Add some posting and the month-end numbers and you land at 6 hours a week without trying.

Six hours a week comes to 300 hours over a 50-week year. It works out to seven and a half full 40-hour weeks spent on work nobody pays you for directly.

Your numbers will be different. Maybe it's two hours. Maybe it's twelve. The sheet is there so you're working from your number, because mine won't help you plan your week.

From needing a team to running it alone

Most people are surprised when I tell them I run my business myself. Contractors come in when I need them. The repeat work runs on loops I set up that go every week, and if I put in about four hours a week, the business keeps running.

And that changes the hiring question. Why would I pay someone to fill four hours I don't need filled yet? When the business grows, the systems underneath me are already built to grow with it. That part is where a lot of people get stuck, because they grow before anything underneath them can carry it.

The loops I lean on hardest are boring ones: reports on my ads, search traffic and email, follow-up with new leads, outreach, and my favorite, a loop that finds errors and fixes them. Nothing on that list is exciting. Every item on it used to be an hour of somebody's week.

Not long ago, somebody tried to sign up for an app I thought was dead, one I had forgotten I even owned. The system underneath it was still doing its job without me looking. That is what working without working looks like when it goes right.

The same kind of loops now run for real businesses with real customers, my dad's tent company among them. One repeat job is enough for any of this to matter. You don't need a stack of businesses or a tech background. You need a week of work you can point at and say, this part happens the same way every time.

One owner standing on a platform supported by small repeating machines labeled with chores; render exactly: "REMINDERS", "FOLLOW-UPS", "REPORTS"
An owner standing on a platform held up by three small machines labeled REMINDERS, FOLLOW-UPS and REPORTS.

The small business AI numbers, side by side

So is everybody already doing this? No. And the answer you hear depends on who's asking and how.

According to the US Census Bureau's Business Trends and Outlook Survey, 19.8% of US businesses were using AI as of May 3, 2026. Among the smallest firms in that survey, the ones with four or fewer employees, it was less than 20%, according to the same Census report.

The National Federation of Independent Business asked small business owners the same kind of question and got 24%, according to its 2025 Small Business and Technology survey. And 75% of the owners in that survey who weren't using AI had no plans to start in the next 12 months, according to NFIB.

Then the Federal Reserve Banks' Small Business Credit Survey came back with 46% of employer firms reporting AI use, according to its 2026 report on employer firms.

Those numbers can all be right at once, because each survey asks a different question of different people. The Census Bureau asks the business whether it used AI in any business function, and it changed that wording in November 2025, so older Census figures run lower. NFIB surveyed 521 small employers. The Fed survey counts a firm if the business or any of its employees use AI, and its sample is made up of firms that chose to answer.

So if you're not using any of this yet, you're with most small firms by the strictest count. And if someone tells you every business around you has already automated, they're quoting the widest definition they could find.

Pricing an hour of your own time

Go back to the sheet. Take your weekly total and put a price on it. Use what an hour of your time earns when you're doing the paid work, or what you'd pay someone else to do those tasks, whichever you can defend.

Say it's 6 hours a week and you value an hour at $40, which puts the repeat work at $240 a week. Say you keep that up for a 50-week year, and it comes to $12,000 of your own time.

You'll never see that money on a bank statement. What the number gives you is a ceiling. It tells you the most that getting those hours back is worth, in money or in your own setup time.

Setup time is real, and people skip it when they talk about this stuff. The four hours a week I put in now came after a year of building those loops out. Some of what's on your sheet shouldn't be automated at all, and the next few chapters sort that out. Some of it doesn't need software either, only a better habit and a page of written steps.

And some of it is work you'd miss if it disappeared, because it's the part of the job where you talk to people. Keep a mark next to those lines. They matter in Chapter 11.

Common questions

Questions this chapter gets asked

How many small businesses use AI right now?

It depends on who's counting, which is why the numbers you see land so far apart. The Census Bureau put it at 19.8% of US businesses as of May 2026, according to its Business Trends and Outlook Survey. NFIB got 24% from small employers in 2025, and the Federal Reserve Banks reported 46%, according to their 2026 survey, partly because that survey also counts employees using AI.

What should a small business owner automate first?

Automate the task you do the same way every week and would happily never do again. Track one normal week on paper first. Then pick the task that eats the most minutes and barely changes from one customer to the next, like confirmations or reminders. Leave anything that needs your judgment for later. Chapter 10 walks through writing the steps down before any tool touches them.

Is AI worth it for a one-person business?

It can be, and a one-person business is where I've felt it most. Most of my own repeat work runs on weekly loops, and I put in about four hours a week. It only pays off once the setup is done, though, and only for work that repeats. Price your weekly hours first so you know what getting them back is worth before you spend anything.

How do I figure out how much time I spend on repeat tasks?

Keep a sheet of paper by your phone for one normal week. Every time you do something that isn't the job or a real conversation with a customer, write down what it was and about how long it took. Add it up at the end of the week. Do it for a full week, not a day, because one slow Tuesday will lie to you about the rest.

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