Dumb to Millionaire:
The Ultimate AI
Toolbox to Build Your
Empire for Free
By Harshit Varman
Introduction: The Era of the Common Genius
You don’t need to be born as a genius. You don’t need
to be an engineer or a coder. In today’s world, all you
need is access to the right tools and a bit of intent. This
book gives you a detailed map of free AI tools that
anyone can use to build wealth, automate workflows,
and build digital products—even with no prior skills.
Every tool listed here offers a free plan, and most of
them require a simple registration or sign-up to access
these features. All you need is a phone or laptop, basic
internet, and the will to execute. That’s it.
Chapter 1: Graphic Design — Commanding the
Visual Realm
1. Runway AI
o How to Use: Create an account. Use tools like
Gen-2 for video-to-video, image-to-video, and
background removal in seconds.
o Pros:
▪ Powerful video generation and editing.
▪ Intuitive interface.
▪ Free credits available.
o Cons:
▪ Limited credits.
▪ Watermarks on free plan.
2. MidJourney
o How to Use: Join Discord, verify identity, then
use the /imagine command to generate images.
o Pros:
▪ High-quality stylized art.
▪ Constant model updates.
o Cons:
▪ Requires Discord.
▪ No native UI.
3. Leonardo AI
o How to Use: Register and generate stunning
concept art or product designs with prompts.
o Pros:
▪ Great model diversity.
▪ Ideal for fantasy, sci-fi.
o Cons:
▪ Limited daily tokens.
▪ Some learning curve.
4. Hailou AI
o How to Use: Use it to upscale, colour grade,
and refine image quality automatically.
o Pros:
▪ Easy up scaling.
▪ Supports batch enhancement.
o Cons:
▪ Free version is slow.
▪ Limited input types.
5. ChatGPT
o How to Use: Use it to generate creative image
prompts or mock-up ideas.
o Pros:
▪ Great at ideation.
▪ Helpful for prompt crafting.
o Cons:
▪ Doesn’t make images directly.
▪ Needs paired with other tools.
6. Sora (OpenAI)
o How to Use: Once available publicly, it will
allow text-to-video creation with cinematic
realism.
o Pros:
▪ Future of video generation.
▪ Hollywood-level output.
o Cons:
▪ Still in limited access.
7. Stable Diffusion
o How to Use: Run it via platforms like
Clipdrop, PlaygroundAI, or install locally.
o Pros:
▪ Fully open-source.
▪ Tons of community models.
o Cons:
▪ May require GPU for local runs.
▪ Can produce messy results.
8. Ideogram
o How to Use: Generate stylish typography-
based visuals for social posts or banners.
o Pros:
▪ Text-focused visuals.
▪ Clean outputs.
o Cons:
▪ Not for photorealistic use.
9. Dynamic Mock-ups
o How to Use: Upload designs and automatically
place them on product mock-ups like t-shirts,
mugs, devices.
o Pros:
▪ Instant previews.
▪ Great for ecommerce.
o Cons:
▪ Limited customization.
Chapter 2: Web & App Development — Building
Digital Empires
1. Emergent.sh
o How to Use: Create AI-powered websites or
tools using code-free interface.
o Pros:
▪ Drag-and-drop simplicity.
▪ AI-enhanced logic.
o Cons:
▪ Still in beta stages.
2. Lovable
o How to Use: Describe your start-up or idea and
Lovable will design a landing page with
branding and messaging.
o Pros:
▪ Auto-generates designs.
▪ Minimal input required.
o Cons:
▪ Limited editing tools.
3. Bolt
o How to Use: Build full web apps using AI-
based backend logic generation.
o Pros:
▪ Code generation on backend.
▪ API and data handling support.
o Cons:
▪ UI still improving.
4. Replit
o How to Use: Write and deploy code in any
language with built-in AI assistance (Ghost-
writer).
o Pros:
▪ All-in-one dev platform.
▪ Collaborative.
o Cons:
▪ Ghost-writer is limited on free tier.
5. Cursor
o How to Use: Install as a VS Code fork with
GPT-4 co-pilot built in.
o Pros:
▪ Real-time suggestions.
▪ Memory of past code.
o Cons:
▪ Heavy software.
6. Hostinger
o How to Use: Buy a domain and use their AI
Website Builder to make a full site without
code.
o Pros:
▪ Cheap hosting.
▪ Fast deployment.
o Cons:
▪ Not advanced features.
7. Wix AI
o How to Use: Use Wix’s AI Builder by
answering a few questions and your site gets
created automatically.
o Pros:
▪ Easy for beginners.
▪ Design suggestions.
o Cons:
▪ Limited creative freedom.
8. Framer
o How to Use: Design high-fidelity prototypes
and instantly publish them as full sites.
o Pros:
▪ Smooth UI/UX.
▪ Loved by start-ups.
o Cons:
▪ Requires design sense.
9. Figma (with AI plug-ins)
o How to Use: Use Figma with plug-ins like
Magician or Genius for AI-assisted design.
o Pros:
▪ Real-time collaboration.
▪ Powerful component system.
o Cons:
▪ Can feel complex initially.
Chapter 3: Game Development — Creating Virtual
Worlds
1. Rosebud AI
o How to Use: Generate lifelike avatars and
animations by uploading photos or prompts.
Ideal for creating NPCs and storytelling
characters.
o Pros:
▪ Generates realistic characters.
▪ Great for quick visual content.
▪ Works well in story-driven games.
o Cons:
▪ Limited free tier.
▪ Doesn’t handle full-body rigs.
2. Meshy AI
o How to Use: Upload a 2D image or type a
description to generate usable 3D models.
o Pros:
▪ Perfect for indie devs.
▪ Accelerates asset creation.
▪ Requires no 3D experience.
o Cons:
▪ Not hyper-detailed models.
▪ Some models need refining.
3. Eleven Labs
o How to Use: Generate realistic voiceovers by
typing your scripts and choosing from voice
options.
o Pros:
▪ Best-in-class AI voices.
▪ Suitable for trailers, NPCs, narrations.
▪ Easy UI.
o Cons:
▪ Free plan limits usage.
▪ Advanced cloning paid.
4. Promethean AI
o How to Use: Describe the kind of level/scene
you want, and AI builds a layout using
modular design.
o Pros:
▪ Saves time in level design.
▪ Good for open-world and RPGs.
▪ Great visual storytelling.
o Cons:
▪ Not ideal for hyper-specific themes.
▪ Beta version bugs sometimes.
5. Inworld AI
o How to Use: Create responsive NPCs with
memory, personalities, and voice.
o Pros:
▪ Feels alive and conversational.
▪ Great emotional depth.
▪ Boosts narrative richness.
o Cons:
▪ Setup requires learning curve.
▪ High-level tuning takes time.
6. Convai
o How to Use: Add responsive voice characters
using SDK into your game engine like Unity
or Unreal.
o Pros:
▪ Supports speech-to-text.
▪ Easy integration.
▪ Strong personality scripting.
o Cons:
▪ Internet required to run.
▪ Limited free minutes.
7. Sketchfab
o How to Use: Search 3D models, download
them, and use in your game. You can also
upload your own models.
o Pros:
▪ Huge free 3D asset library.
▪ Ready for multiple engines.
▪ Active community.
o Cons:
▪ Must verify model licenses.
▪ Premium assets are locked.
Chapter 4: Research & Development — Powering
the Brain of Innovation
1. ChatGPT
o How to Use: Sign up at chat.openai.com. Input
prompts for content, answers, summaries,
scripts, or idea generation.
o Pros:
▪ Fast and multi-functional.
▪ Ideal for entrepreneurs.
▪ Works for planning, pitching, and
learning.
o Cons:
▪ Needs proper input context.
▪ Lacks internet access (unless enabled).
2. Claude AI
o How to Use: Visit claude.ai. It excels in
reasoning, ethics, long documents, and
business support.
o Pros:
▪ Balanced replies.
▪ Reads long documents well.
▪ Clear, explainable output.
o Cons:
▪ Less creative output than ChatGPT.
▪ Regional restrictions apply.
3. Perplexity AI
o How to Use: Like a search engine. Type
questions and get verified sources instantly.
o Pros:
▪ Real-time web results.
▪ Clean UI.
▪ Source-backed info.
o Cons:
▪ Doesn’t go deep on niche topics.
▪ Formatting can feel basic.
4. Grok by xAI
o How to Use: Access through X/Twitter’s
Premium tab. Ask it current affairs, pop
culture, and live insights.
o Pros:
▪ Gets social sentiment.
▪ Real-time Twitter data.
▪ Good for viral marketing.
o Cons:
▪ Not suitable for deep R&D.
▪ Humour-based tone isn’t for all.
5. GitHub Co-pilot
o How to Use: Install as an extension in VS
Code. Start writing code and get AI
suggestions.
o Pros:
▪ Speeds up development.
▪ Works with many languages.
▪ Good for debugging too.
o Cons:
▪ Needs strong internet.
▪ Won’t solve entire logic chains.
Chapter 5: AI Backend & DBMS — The Digital
Spine
1. Supabase
o How to Use: Sign up and create a project. Use
it to manage real-time PostgreSQL databases
with built-in authentication and APIs.
o Pros:
▪ Open-source and scalable.
▪ Built-in auth and storage.
▪ Great alternative to Firebase.
o Cons:
▪ Not beginner-friendly UI.
▪ Real-time updates need tuning.
2. Netlify
o How to Use: Connect your GitHub repo or
upload a project to deploy websites instantly
with backend functions.
o Pros:
▪ Server less backend.
▪ Easy CI/CD.
▪ Free for most projects.
o Cons:
▪ Advanced functions require CLI.
▪ May throttle heavy apps on free tier.
3. Boltic
o How to Use: Connect data from Notion, Excel,
SQL, or APIs and build dashboards or apps
from the data layer.
o Pros:
▪No-code data linking.
▪ Powerful data pipelines.
▪ Works with multiple tools.
o Cons:
▪ Limited advanced logic.
▪ Still growing community.
Chapter 6: Agent & Agency Builders — Automate
and Dominate
1. n8n
o How to Use: Build automated workflows with
drag-and-drop logic and connect any app via
API or web hook.
o Pros:
▪ Fully open source.
▪ Flexible automation logic.
▪ Community-driven extensions.
o Cons:
▪ Self-hosting needs setup.
▪ Not as sleek as paid tools.
2. LangChain
o How to Use: Use it with Python or JS to create
powerful AI chains — like agents that can
reason across memory and tools.
o Pros:
▪ Dev-focused framework.
▪ Best for custom LLM tools.
▪ Works with OpenAI, Pinecone, etc.
o Cons:
▪ Not beginner-friendly.
▪ Requires coding skills.
3. Botpress
o How to Use: Sign up and build chat bots with
workflows, NLP, and user memory using their
visual builder.
o Pros:
▪ Supports GPT-like integration.
▪ On-prem and cloud.
▪ Visual & conversational logic.
o Cons:
▪ UI can lag on big bots.
▪ Needs training data sometimes.
4. Superagent
o How to Use: Create reusable agents that
connect APIs, use vector databases, and deploy
into websites/apps.
o Pros:
▪ Fast to deploy.
▪ Great templates available.
▪ Works with AI models.
o Cons:
▪ Limited free API calls.
▪ Dev setup can be clunky.
5. AutoGen by Microsoft
o How to Use: Use Python libraries to create
multi-agent workflows that solve tasks by
talking to each other.
o Pros:
▪ Experimental but strong.
▪ Agents collaborate to solve tasks.
▪ Perfect for dev automations.
o Cons:
▪ Not no-code.
▪ Research-level complexity.
6. Cognosys
o How to Use: Deploy fully autonomous AI
agents to research, write, schedule, and
manage tasks via prompt settings.
o Pros:
▪ Full automation.
▪ Great interface.
▪ Ready out-of-the-box.
o Cons:
▪ Limited use on free tier.
▪ Can go off-track without refining.
Conclusion: The Rise of the AI Empire
Builder
You now have an arsenal of over 30+
powerful tools that can be used to build
businesses, automate tasks, and create real
value — all with zero upfront cost. From
visuals and apps to agents and databases,
each category in this book shows how AI
has evolved into a weapon for personal
freedom and power. Use this book as your
manual. Revisit these tools often. But most
importantly, execute.
Even the “dumbest” person can become a
millionaire — if they act.
– Harshit Varman
