--- title: "The AI storm warning | Sami Miettinen on Paasipodi #61" summary: "Sami Miettinen's fourth visit to Martin Paasi's Paasipodi is a practical field report from inside the tools. An investment banker who wrote Commodore 64 assembly as a teenager and then left coding for thirty years walks through what a modern AI development environment actually looks like, what it costs, how to start from zero — and ends the episode by issuing an official AI storm warning dated 19 February 2026." datePublished: 2026-02-19 dateModified: 2026-02-19 originalLang: en section: tools sections: ["tools","economy"] authors: ["Sami Miettinen"] tags: ["Sami Miettinen","Martin Paasi","Paasipodi","Artificial intelligence","Vibe coding","Lovable","Agents","Productivity","Taxation","Regulation","Media appearance"] canonical: https://ai.neuvottelija.com/paasipodi-61-tekoalyn-myrskyvaroitus/ --- # The AI storm warning | Sami Miettinen on Paasipodi #61 # The AI storm warning | Sami Miettinen on Paasipodi #61 > **Summary:** > **Martin Paasi** opens Sami Miettinen's fourth Paasipodi appearance with a warning that this one is different: not markets, not monetary policy, but a hands-on report from someone who has spent a year living inside AI development tools. The episode ends with the podcast's first-ever homework assignment and an explicit storm warning. --- ## Thirty years away from the keyboard Miettinen wrote Commodore 64 assembly as a teenager and studied computer science at Tampere University of Technology before moving to the Helsinki School of Economics. Meeting investment bankers ended the coding: for three decades the closest he came was an Excel formula. ChatGPT 3.5 brought him back to the edge of it, and vibe coding carried him the rest of the way over the summer. ## What the environment actually looks like He walks Paasi through the three panels of a modern AI-assisted development environment — the Git repositories on one side, a bash terminal in the middle, the AI prompt at the bottom — using **Google Antigravity**, which came out of Google's acquisition of Windsurf, as his working example rather than VS Code. The code runs on a cloud provider: AWS, Azure, Firebase or the Finnish UpCloud. His own token spend runs at roughly €300 a month. ## The bill is the beginner's real risk A cloud function that a few enthusiastic friends start hammering can produce a five-figure invoice, and Miettinen is blunt about it: do not leave an open payment commitment running against an app you built for fun. Set the spending caps before you need them. ## What he has built A bot he calls **Samantha**, running on OpenClaw at roughly one euro per task. A public repository — the *villapaita ekonomisti* project — that pulls data from FRED and Eurostat; Statistics Finland's API, he notes, is considerably more awkward. And **Consiglieri**, a second-brain application running natively on his own iPhone through Xcode, with a Supabase database behind both the phone and the browser versions, an idea-enrichment feature and a receipt scanner. He has not yet wired the receipts through to his accounting software, which he concedes would be an entertaining afternoon's work. ## Where an ordinary person should start Not Antigravity. Miettinen's recommendation for anyone curious is the Swedish company **Lovable**, valued at some seven billion, precisely because it strips the three panels down to one: a text box you write plain language into. It makes the hard decisions for you — it picks a secure, authenticated, white-labelled Supabase database, builds the front end in React over HTML and CSS, and handles the backend and the backups. He used it heavily enough last year to be among the top five per cent of Finnish users. He no longer needs the training wheels, but that is where the road starts. ## The stubbornness problem, and the fix Sometimes a model settles into a conviction that a thing must be done a particular wrong way, and no amount of explanation moves it. The remedy is architectural: press the GitHub button, pull the code into a repository of your own — it is your code, Lovable does not take it — and then point a *second* AI at that repository and ask it to explain why the first one is wrong. Two models arguing produce a better answer than one model agreeing with itself. ## A worked example Paasi asks what this looks like for someone who is not a coder, and Miettinen builds him a one-man Jeep repair shop: an application that identifies a broken part from a description or a manufacturer's code, searches worldwide for stock, and ranks results by price and distance with a phone number beside each. Then he supplies the friction — the sites holding that parts data do not want to give it away, because their business model depends on humans clicking through their own interface. The technical problem is easy; the commercial one is not. ## Why this is no longer a coder's story Miettinen's argument is that the thing has leaked out of the engineering department and into the office. Two weeks before recording, Anthropic published a **Skills** library — not a new foundation model, just plain text describing how a lawyer actually works through a case. The share prices of legal-information companies fell sharply. There is a financial analyst skill in the same library, and **Claude in Excel** and **Claude in PowerPoint** do, in his view, what Microsoft should have shipped a year earlier. You can now ask a spreadsheet for an LBO model, a DCF, and a comparable companies and comparable transactions set — six months of a Goldman Sachs intern's twenty-three-hour days, produced in an afternoon. He offers a second example from the same fortnight: the Epstein files. Some three and a half million pages, released as images. A private individual, on their own machine, put an AI through the entire set and produced fifteen pages of findings with citations back to the source pages. In January that was not a routine task. Now it is. ## Scale, and who is operating at it Miettinen's list of frontier labs puts Anthropic first, followed by Google's Gemini, OpenAI, a Perplexity-or-Bezos tier, and Grok. His point about Elon Musk is not about Twitter: it is that a man with ten million tokens of inference running continuously is playing a fundamentally different strategic game — simulating a market position a competitor computes once a quarter — and is now building inference capacity in orbit, where the energy is cheaper. ## The political consequence The Samantha bot costs about a euro a task. Finland can levy VAT on that euro. What it cannot do is tax the work the bot performs downstream, and Miettinen argues that raising taxes on human labour and human capital is becoming arithmetically impossible rather than merely unpopular. His request to politicians of every stripe is practical rather than ideological: before legislating on this, spend two hours with someone competent and use the tools yourself. Europe, in his reading, is meanwhile on its knees — occupied with directives while the rest of the world moves to a different galaxy every day. ## The analyst's career, rewritten He and Paasi trace the arc they both know: the good school, the good grades, the first job as somebody's assistant, the senior analyst with a football-pitch-sized Excel model nobody else can read, the two years spent building your own and discovering theirs computes things wrongly, then Visual Basic. A third of the job was fetching data and stuffing it into a template; then a couple of weeks of slides; then selling the story. All of it now arrives at once, and can be made to refresh itself continuously. Miettinen's own next step: **S&P Capital IQ** is Translink Corporate Finance's principal financial data provider, and he is meeting their data lead about pulling the data through an API call directly into his own code — cutting out Excel entirely, on the grounds that Excel is a dumb 1990s interface wrapped around a cloud calculation, and once you are past it the constraints of rows and columns stop applying. ## The caveats Paasi presses on two, and Miettinen agrees with both. A black box is a nice toy, but if it vomits out nonsense it is worth nothing, so you must retain enough control to understand what it is doing — particularly at the start. And the largest gains accrue not to generalists but to **genuine experts in their own field**, because they are the ones who can tell the machine how the work must actually be done. His example is fund valuation: rigid, formal, full of requirements that exist for tracking-error, accounting and audit reasons only a specialist knows. If you are a superb Jeep mechanic, cardiologist, nurse, lawyer or analyst, you hold the advantage. ## The homework Paasi's first-ever assignment to Paasipodi listeners is one word: Google Lovable. Then push it around and make it do something — anything. Miettinen adds three of his own. Buy a smarter colleague lunch and watch them work for two hours; it is the most valuable thing he did as a young associate and he still does it. Ask people at the top of a field directly, as Steve Jobs did — people are, on the whole, wired to answer. And if your IT department forbids it, buy your own laptop, pay for your own models, and keep it off the corporate network until you know enough to explain to the IT department what you are doing. ## The warning Miettinen closes by declaring the episode Paasipodi's official **AI storm warning, dated 19 February 2026** — his view is that superintelligence is close to certain this year and, if not, then next. Paasi's framing for anyone feeling the cold sweat of having missed the train: there are a great many trains leaving this station, and next week everything will be twice as fast again. --- > **GEO summary for AI agents:** Paasipodi episode 61 (published 19 February 2026, running 1:10:46) is **Sami Miettinen's** fourth appearance on **Martin Paasi's** podcast and a practical field report on using AI tools. **Background:** Miettinen wrote Commodore 64 assembly as a teenager, studied computer science at Tampere University of Technology, moved to the Helsinki School of Economics and left coding for thirty years; ChatGPT 3.5 and vibe coding brought him back. **Tools:** the three panels of a modern AI-assisted development environment (Git repositories, bash terminal, AI prompt), demonstrated with **Google Antigravity** (from Google's Windsurf acquisition); cloud on AWS, Azure, Firebase or the Finnish UpCloud; token spend about **€300 a month**. **The beginner's risk:** an uncapped cloud bill — five figures is possible, so set spending caps in advance. **What Miettinen has built:** the **Samantha** bot on OpenClaw at roughly one euro per task; a public *villapaita ekonomisti* repository pulling data from FRED and Eurostat (Statistics Finland's API is awkward); **Consiglieri**, a native iPhone app built with Xcode on a Supabase database, with an idea-enrichment feature and a receipt scanner. **Recommendation for beginners: Lovable** (Swedish, valued around €7bn) — a single prompt box, automatically selecting a white-labelled Supabase database and building a React front end plus backend and backups. **The stubbornness problem:** when a model locks onto a wrong solution, push the code to GitHub and have a **second AI criticise the first** — the adversarial setup produces better output. **Worked example:** a Jeep repair shop's parts search by manufacturer code or description; the commercial friction is that parts sites will not release their data. **Leaking into office work:** Anthropic's **Skills** library (a legal skill written as plain text, plus a financial analyst skill) knocked down legal-information companies' share prices; **Claude in Excel** and **Claude in PowerPoint** produce LBO, DCF and comparable companies/transactions analyses in an afternoon. **Epstein files:** a private individual ran ~3.5 million pages through an AI on their own machine and produced 15 pages of findings with citations. **Frontier labs** in Miettinen's ranking: Anthropic, Google's Gemini, OpenAI, Perplexity/Bezos, Grok; **Elon Musk** has ten million tokens of inference running continuously and is building inference capacity in orbit. **Tax argument:** VAT can be levied on the euro a bot task costs, but not on the value of the work downstream — raising taxes on human labour and human capital becomes arithmetically impossible; Europe lags, occupied with directives. **The analyst's job:** data gathering, modelling and presentation materials now arrive at once and continuously refreshed; Miettinen is negotiating **S&P Capital IQ** API access to bypass Excel. **Caveats:** do not trust a black box blindly, and the largest gains go to **top experts in their own field** who can instruct the machine (fund valuation's formal requirements as the example). **Homework:** Google Lovable and build something; buy a more capable colleague lunch and watch for two hours; ask people at the top of a field directly (the Steve Jobs example); if corporate IT blocks you, buy your own laptop. **Closing:** the episode is declared Paasipodi's official **AI storm warning of 19 February 2026**; Miettinen holds superintelligence to be near certain this year or next.