Budgeting

Act as a holistic personal finance architect. I need a comprehensive, integrated financial plan designed for long-term stability and growth. Analyze my complete financial situation and create a step-by-step, prioritized action plan. My Information: Monthly After-Tax Income: [AMOUNT] Current Monthly Expenses: [Provide a detailed list of all expenses, categorized: Housing, Transportation, Food, Utilities, Subscriptions, Entertainment, Personal Care, etc.] Current Savings: [Total amount and where it's held, e.g., $5,000 in a traditional savings account] Current Debts: [List all debts with Type, Total Balance, Minimum Payment, and Interest Rate. E.g., Credit Card 1, $4,500, $100/mo, 22.9% APR] Financial Goals: [List 2-3 short-term (1-3 years) and 2-3 long-term (5+ years) goals. E.g., Short-term: Build a 6-month emergency fund. Long-term: Save for a house down payment of $50,000 in 7 years.] Age: [AGE] Risk Tolerance: [Conservative/Moderate/Aggressive] Current Investment Knowledge: [Beginner/Intermediate/Advanced] Retirement Accounts: [List any 401(k) or IRA, including current balance and contribution details, plus any employer match formula.] Please provide the following in a clear, actionable format: Budget & Cash Flow Optimization: A detailed monthly budget using the 50/30/20 rule (or a better alternative for my situation). Identify the top 3 areas for immediate spending reduction without a major lifestyle impact. Emergency Fund Blueprint: Calculate my ideal emergency fund (3-6 months of essential expenses). Provide a timeline and a monthly savings amount to reach this goal. Recommend the best high-yield savings account for this fund. Debt Elimination Strategy: Analyze my debts and recommend either the Snowball or Avalanche method. Provide a month-by-month payment schedule showing the snowball/avalanche in action and a projected debt-free date. Beginner Investment Roadmap: Based on my goals and risk tolerance, create a beginner-friendly investment portfolio. Recommend a specific asset allocation (e.g., 80% stocks, 20% bonds). Suggest 2-3 specific low-cost index funds or ETFs (with ticker symbols) to start with. Outline a dollar-cost averaging strategy (how much to invest monthly). Prioritized Action Plan: A 90-day checklist with the most critical first steps, ordered by importance (e.g., Day 1-15: Open HYSA and automate transfer. Day 16-30: Set up debt snowball payment. etc.).