
How I Built a 720+ US Credit Score as an Expat (2026)
From no file to 720+ in about a year, here's the roadmap I followed to build, protect, and use a US credit score as an expat.
511 posts about AI, learning, and building products

From no file to 720+ in about a year, here's the roadmap I followed to build, protect, and use a US credit score as an expat.

The definitive 2026 guide to HSA, FSA, and HDHP for expats in the US—with updated IRS contribution limits, comparison tables, and practical tips from four years of navigating the system myself.

I migrated 485 WordPress posts to Next.js in 4 days using a plugin that taught Claude to think like a product manager—not just a code generator.

I built planning documents that taught Claude Code how to localize—not just translate—then watched it execute across 5 languages in parallel, turning literal phrases into native-sounding copy.

I rebuilt my podcast app in 14 days—a project that originally took 6 months. The acceleration terrifies me, and it should terrify you too.

I rebuilt my entire website in 3 days using AI—not as a coding assistant, but as my actual developer. I made the decisions; Claude Code wrote 28,000 lines.

I built 9 AI agents that forgot everything between conversations—wasting users 20-45 minutes weekly re-explaining their business. Here's how I made them share memory.

I shipped team collaboration features in alpha with <50 users because my customers were already working in teams—just through painful screenshots and copy-paste workarounds that cost 80+ hours per year.

I discovered my Postgres database had 89 foreign keys but zero indexes on them—turning millisecond queries into 843ms nightmares and nearly killing my alpha launch.

I found 31 blank screens in my SaaS—all because I forgot multi-tenancy isn't just about data access, it's about URL context. Here's how Claude Code helped me fix them all in one night.

I thought adding org_id to every table meant bulletproof multi-tenancy. Then my security audit revealed agencies were writing to SME tables—not through a bug, but by design.

After 20 years in agencies, I knew multi-tenant architecture couldn't wait—so on Day 2, with just one working AI agent, I tripled my dev complexity to avoid a future rewrite.