In a fast-moving AI landscape, the hard choice is whether to build, buy, or wait. A real example—using Gemini's Spreadsheet AI to summarize a Service Clubs financials—shows how leveraging existing tools can deliver better outcomes with less effort. The takeaway: use AI to shorten the path to value, and reserve custom building for true differentiation.

How service club budgeting, government appropriations, and agile product management all follow the same governance loop.