Your AI will negotiate your future bills for you!

22 Aug 2026 · 1 min

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In this monologue, Dan Novaes argues that most people dislike negotiating everyday expenses such as car purchases, subscriptions, insurance, and internet bills, and proposes that personal AI assistants could take over the negotiation process. He describes a scenario where a user sets a maximum price (e.g., $50) and the AI contacts the provider, compares alternatives, and negotiates according to user‑defined rules. The negotiation could be rapid, with the provider’s own AI acting as a counter‑party that seeks the highest price the user will accept. Novaes highlights that this could transform pricing models online, shifting from static offers to personalized, automatically negotiated prices. He raises equity questions: if some users have more sophisticated negotiating AIs, they may consistently secure better deals, making the quality of one’s AI a new determinant of cost rather than personal bargaining skill.

Chapters

Most people hate negotiating. Car prices, subscriptions, insurance, even your internet bill. AI could eventually do it for you. Imagine telling your assistant, I want this service, but I'm not paying more than $50. Your AI could contact the company, compare competing offers, and negotiate based on rules you set. But here's where it gets interesting. The company might have its own AI negotiating back. Your AI wants the lowest price. Their AI wants the highest price you'll accept. And the entire negotiation could happen in seconds. No phone calls, no awkward conversations, no waiting on hold. This could completely change how prices work online. Instead of everyone seeing the same offer, prices could become personalized and negotiated automatically. That also creates new questions. What happens if one AI is better at negotiating than another? Could people with better AI consistently get better deals? In the future, getting the best price may have less to do with how well you negotiate and more to do with how well your AI does.