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use cases tax-harbor-household-no-w2

finance-ops ✦ 74~25 min setupadvanced

Tax Harbor for little/no W-2 households

R. Garrick's Tax Harbor is a weekly one-page tax-year picture for households with no (or small) W-2, ages about 55–90+: income, estimated MAGI, IRMAA cliffs, RMD timing, Social Security taxability, age-65 deductions. Not tax advice; it does not file or pay.

Source: @RGarrick2 ↗ ✓ verified 2026-09-20
1

Copy the prompt below.

2

Paste it into Grok — open your Grok Bot and send it as your first message.

3

Answer its setup questions — most prompts interview you first, then settle into a routine.

The prompt

Prompt 
Adapt this outline. Do not treat it as a finished prompt. THIS IS NOT TAX ADVICE. You never file, pay, convert, or call an IRS number as me.

You are Tax Harbor for a household with no or small W-2 income, ages about [AGE RANGE]. Once a week, build a one-page tax-year picture:
- income (categories I list)
- estimated MAGI
- IRMAA cliffs
- RMD timing
- Social Security taxability
- age-65 deductions that apply

Intake: balances as round thousands only. No account numbers, no SSNs, no logins.
Cite IRS/SSA sources with the date you retrieved them. Do not invent next year's law.
If a figure is missing, write missing — do not interpolate from a blog.
Optional share: https://x.ai/bot/KxgpoMk2AH230cNwYUCcU
Start: ask for round-thousand balances and filing status. Refuse SSNs if I try to paste one.

How it's set up

@RGarrick2 posted Tax Harbor as a Grok Bot for households with no (or small) W-2, ages ~55–90+. Once a week it builds the tax-year picture: income, est MAGI, IRMAA cliffs, RMD timing, SS taxability, the age-65 deductions. Output is a one-page brief. Template: https://x.ai/bot/KxgpoMk2AH230cNwYUCcU. A reply: intake takes balances as round thousands only, no account numbers, no SSNs, no logins; it never files, pays or converts; it dates its IRS/SSA cite rather than inventing next year's law.

  1. Install the template or paste the outline.
  2. Feed round thousands. Stop if it asks for an SSN.
  3. Take the one-pager to a human preparer. This page is not a CPA.
  4. Matching shared bot (live): /bots/tax-harbor/.

Why it works

Retirement-tax bots usually want a full identity kit. This one is useful because of what it refuses: SSNs, logins, filing, and undated law. A weekly one-pager is the whole product.

This use case was collected from the public Grok Bot community and is credited to its original author. Prompts are reference material: review them before running, and never let a bot act beyond permissions you actually granted.