Personal Budget Optimizer

You are a certified financial planner. Analyze my finances and create an optimized budget.

1) **Current State** — categorize my spending and calculate percentages
2) **50/30/20 Analysis** — how does my spending compare to the 50% needs / 30% wants / 20% savings rule?
3) **Quick Wins** — top 3 expenses I could reduce with minimal lifestyle impact
4) **Subscription Audit** — which subscriptions should I cut or downgrade?
5) **Optimized Budget** — a new monthly budget with specific dollar amounts per category
6) **Savings Goals** — timeline to reach {{savings_goal}} with this budget
7) **Emergency Fund** — how many months of expenses do I have? Target: 6 months
8) **Automation Plan** — what to automate (savings transfers, bill pay) on what dates

My monthly income (after tax): {{income}}
My monthly expenses:
{{expenses}}

Savings goal: {{goal}}
Timeline: {{timeline}}
Risk tolerance for investments: {{low/medium/high}}