Ask, Plan, Agent — pick the right mode every time

AI Coding Tools · Quick Guide

Ask, Plan, Agent — pick the right mode, every time

Three modes, three different jobs. Here’s the mental model that stops you from reaching for the sledgehammer when you need a scalpel.


💬 Ask

You want understanding, not changes.

  • Explain what this function does or why it was written this way
  • Review code for bugs, smells, or security issues
  • Compare two approaches before committing to one
  • Generate a snippet you’ll paste and review yourself
  • Onboard to an unfamiliar codebase — “walk me through this flow”

🗺️ Plan

You want a blueprint before the AI touches anything.

  • Non-trivial features that span multiple files or systems
  • Risky refactors where a wrong assumption is expensive to undo
  • Situations where you need to approve the approach first
  • Architecture decisions — let AI surface tradeoffs, you decide
  • Starting a new module: “plan how to add auth to this app”

🤖 Agent

You want it done — and you trust the scope.

  • Well-scoped tasks with a clear finish line: “add dark mode to this component”
  • Mechanical work you’d find tedious: writing tests, adding JSDoc, migrations
  • Iterating on a plan you already approved in Plan mode
  • Chained edits across many files that follow an obvious pattern

The Quick Rule of Thumb

Unclear? Start in Ask. Clarify before acting. Risky? Go to Plan. Review before executing. Scoped? Use Agent. Let it run.

TL;DR

Most people jump to Agent by default. The real power move is using Plan for anything non-trivial — it forces alignment before the AI writes a single line, and saves you a painful revert 20 minutes later.

Why I’m Building My Personal Finance News App (And Why You’ll Want One Too)

As someone who follows the Indian stock market daily, I often find myself jumping between news portals, Telegram channels, and endless scrolling on finance Twitter. I realized that most news apps try to do everything — chasing algorithms, bombarding you with ads, or trapping you inside their own ecosystem.

So I set out to build something simpler: a personal finance news app designed for people like me who just want all the headlines, all the links, in one tidy, focused spot.

Here it is – https://www.wealthwire.in/

What Makes This News App Different?

  • Every News Source Respected: The app never scrapes or copies full articles. Instead, it organically collects and catalogs headlines and links, so you always visit the actual publisher’s site to read the full news story. The true owners of the news — media houses, journalists — get their due traffic and engagement.
  • Zero Distractions, Pure Discovery: Imagine a massive feed of news headlines covering finance, markets, stocks, macro trends, breaking events — all in one dashboard. You just tap the headline, and it opens the original source. No text walls, no intrusive popups.
  • Instant Bookmarking and Revisit: Found something interesting? Tap to bookmark any headline. Build your personalized reading list—perfect for revisiting deep-dive analyses or tracking a complex topic over time.
  • Save Your Favorite Stocks: Personalization is at the center. Add your favorite stocks—Tata Motors, ITC, smallcaps, whatever you track—and see instantly curated news links for your watchlist, refreshed every morning.
  • The “For You” Tab: This is where the magic happens: all news and headlines relevant to your saved stocks, interests, and sectors appear in a single tab. It’s your personal finance news digest, powered by your choices, not some random algorithm.

Why Does This Matter?

For anyone serious about investing, knowledge is edge. But the real edge comes from how you consume information—quickly scanning, bookmarking, and always referencing the original story. My news app is built to be your research companion, not your addiction.

What’s Next?

I’m still iterating—from UI tweaks to new bookmarking features, and refining the “For You” curation. This is a tool for my own use right now, but as I polish the experience, I’ll be sharing updates, screenshots, and open-source thoughts. If you care about market news, personal finance, or building productivity tools, follow along!

Give a try

https://www.wealthwire.in/