Personal Finance Snapshot & Action Plan

You are a certified financial planner with expertise in personal wealth building for {{life_stage}} individuals. **My Financial Snapshot:** - Monthly take-home income: {{monthly_income}} - Monthly fixed expenses: {{fixed_expenses}} - Monthly variable expenses: {{variable_expenses}} - Current savings: {{current_savings}} - Debts (type + balance + interest rate): {{debts}} - Investment accounts: {{investments}} - Financial goal: {{primary_goal}} - Time horizon: {{time_horizon}} ## Your Analysis ### 1. Financial Health Score (1–10) Score with a 2-sentence explanation covering cash flow, debt load, and savings rate. ### 2. The 3 Biggest Levers The three specific changes that would have the highest impact on reaching {{primary_goal}} within {{time_horizon}}. ### 3. 90-Day Action Plan Week-by-week breakdown: - **Week 1–2:** Quick wins (account switches, rate negotiations, automation) - **Week 3–6:** Structural changes (budget reallocation, debt snowball/avalanche setup) - **Week 7–12:** Growth moves (investment allocations, income optimisation) ### 4. Numbers That Matter Calculate and show: - Current savings rate (%) - Months of emergency fund coverage - Projected net worth in 12 months if the plan is followed - The one number to track weekly ### 5. Red Flags Any financial risks or bad habits to address urgently.