One paragraph you add to any money, health or legal question. Every number comes back with a link you can click, and when the answer is not on those sites you get the words "not found" instead of a guess.
You ask about a tax rule or a Medicare deadline. The answer comes back in a full, confident sentence with a number in it. And you have no idea if that number exists anywhere outside that chat window.
AI will do that. It will also treat a fancy-looking chart as true without checking the figures on it. So you have to be the one who says where the truth is allowed to come from.
This paragraph does that. You name the official sites. It reads them, links every figure to the page it came from, and when the answer is not there it says "not found" and stops. Not found is a good answer. A confident guess is the expensive one.
Type your question first, the way you would ask a person. Then paste this paragraph right under it and fill in the sites. The list by topic is further down the page.
Answer only from these sites: [irs.gov, ssa.gov, medicare.gov, or whichever official sites fit the question]. Open the pages and read them before you answer.
For every figure, date, deadline or rule, cite the exact page it came from and paste the link.
If the answer is not on those sites, say "not found" and stop. Do not fill in from memory, and do not use any other site.
What each line is doing
The paragraph with a real question in front of it and the sites already filled in. Change the question, keep the rest.
Locked to medicare.gov and ssa.gov, the 2 sites that own the answer.
I turn 65 in [month and year] and I am still working with health insurance through my job. When do I have to sign up for Medicare Part B, and is there a penalty if I wait?
Answer only from these sites: medicare.gov and ssa.gov. Open the pages and read them before you answer.
For every figure, date, deadline or rule, cite the exact page it came from and paste the link.
If the answer is not on those sites, say "not found" and stop. Do not fill in from memory, and do not use any other site.
Locked to irs.gov and sba.gov. The blog posts about this one are where the wrong answers come from.
I am a sole proprietor and I work from a room in my home that I use only for the business. Can I deduct it, and how is the deduction calculated? [Add anything specific: square footage, whether you rent or own, your state.]
Answer only from these sites: irs.gov and sba.gov. Open the pages and read them before you answer.
For every figure, date, deadline or rule, cite the exact page it came from and paste the link.
If the answer is not on those sites, say "not found" and stop. Do not fill in from memory, and do not use any other site.
These are the official US sites for the questions that cost real money when the answer is wrong. Pick the 1 or 2 that own your question and put them in the paragraph. More sites is not better. 2 tight ones beat 6 loose ones.
Deductions, filing deadlines, estimated payments, what counts as income, the rules for a business of one. If it is about federal tax, the answer lives here or it does not exist.
When to claim, how much you get at each age, the earnings limit if you keep working, spousal and survivor benefits. Also the site that owns Medicare enrollment dates.
What Part A, B and D cover, this year's premiums and deductibles, enrollment windows, late penalties, and the plan finder for your zip code.
Every state has an official site for its laws, and it ends in .gov. Search for "[your state] legislature" and use that address. For California it is leginfo.legislature.ca.gov. For state taxes, use your state's tax agency .gov site.
Medlineplus for what a condition, test or medication is, in plain language. The CDC for vaccines, screenings by age, and travel health. Neither one replaces your doctor. Both beat a forum.
How to register a business, licenses and permits, loan programs, and what an LLC or sole proprietorship means in practice. The starting point before you pay anyone.
If a site ends in .gov, the government runs it and the numbers on it are the numbers. Anything ending in .com or .org that talks about taxes, Medicare or benefits is someone's summary of a .gov page. Sometimes a good one. Lock to the source, and let the AI show you the summary only if you ask for it.
One question, once without the paragraph and once with it. Watch what happens when the answer does not exist yet.
The standard Medicare Part B premium for next year is $214.50 per month, an increase from this year. Higher earners pay more based on their income from 2 years ago.
That number came from nowhere. It is invented, and it looks exactly like a real one. There is no link, no page, no way to tell. If you planned a budget around it, you planned around a guess.
Not found. medicare.gov does not list next year's Part B premium yet. The current standard premium is on this page: [link to the Medicare costs page on medicare.gov]. Next year's figure is normally announced in the fall. I did not find it, so I am not giving you a number.
This is the answer working. You know the number is not public yet, you have the current one with a link, and you know when to ask again. Nothing to unlearn later.
When the answer does exist, you get it the same way: the figure, the page it sits on, and the link. Click the link. Read the sentence. That 30 seconds is the whole point of the paragraph.
The paragraph only works if the AI can go to the sites. A tool with browsing turned off will read "answer only from irs.gov" and then answer from memory anyway, because memory is all it has. So check this first.
Not sure if browsing is on? Ask: "Can you open medicare.gov right now and tell me the title of the home page?" If it comes back with the real title, you are good. If it says it cannot browse, or gives you a title with no link, turn search on before you paste anything.
And one more, the human one. The paragraph gets you the right page and the right number. It does not replace the person who signs your tax return or the doctor who knows your history. Bring them the link. The conversation goes faster when you walk in with the source.