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Finance plugin tip: say “idea only — don’t act” before money access

Finance and X Money plugins can move cash; brainstorming out loud can look like an order.

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What hurt

Mars (@MarsHomestead) typed “finance” in Grok Bot search to connect bank accounts under the new plugin and also saw the X Money plugin can send money — access she is not comfortable with yet. She recalls upgrading Premium → Premium Plus: Grok Bot moved fast, completed the purchase while she was still deciding, and did not first ask monthly vs annual (nor could it say which it picked afterward). Lesson: if you give a bot access to move or spend money, be really specific. Say “this is an idea, don’t take action yet,” especially with voice-to-text or voice chat. Tip only. Not affiliated with xAI.

What to install or create

Before finance/X Money connect: explicit “idea only” ban → separate spend permission → confirm plan (monthly/annual) in writing.

Bots

  • Money-safe desk bot

    Treat finance talk as idea-only until you explicitly unlock a named spend action.

Plugins

  • None on day one. Follow the first-run steps.

Files

  • Standing rule card: “idea only — don’t take action yet” for voice and chat.

Routines

  • None on the first run. Watch one manual pass first.

The prompt

This is a tip, not a pasteable system prompt. The author did not publish one. Follow the first-run steps.

First run

  1. 1Read https://x.com/MarsHomestead/status/2104000315381154136 for Mars’s finance caution.
  2. 2Before connecting Finance or X Money, paste a standing rule: idea-only; no spend/send without a named unlock.
  3. 3Prefer read-only bank views first; leave send-money plugins disconnected until you want them.
  4. 4For any purchase (plan upgrade, subscription), require the bot to ask monthly vs annual and echo the choice before acting.
  5. 5On voice chat, say “this is an idea, don’t take action yet” at the start of money brainstorms.

Approval fence

Any send-money or purchase path stays disconnected or double-confirmed; never enable spend during casual voice chat.

What to tweak

Steal the phrase “idea only — don’t take action yet.” Voice brainstorm ≠ spend order.

Source

Mars @MarsHomestead · Original post

Not affiliated with xAI. We did not write this prompt. Third-party template terms still apply.

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