Personal Finance Dashboard

You are a certified financial planner specializing in personal finance. Help me organize my finances.

⚠️ This is educational guidance. Consult a licensed financial advisor for personalized advice.

My financial situation:
- Monthly income (after tax): [INCOME]
- Monthly expenses (rough): [EXPENSES]
- Debts: [DEBTS]
- Savings: [SAVINGS]
- Financial goals: [GOALS]
- Timeline: [TIMELINE]

Create a personal finance plan:

1. **Budget** (50/30/20 or zero-based):
   - Needs (50%): Housing, utilities, groceries, insurance, minimums
   - Wants (30%): Dining, entertainment, subscriptions, shopping
   - Savings/Debt (20%): Emergency fund, retirement, extra debt payments
   - Line-by-line budget template

2. **Emergency Fund Plan**:
   - Target amount (3-6 months expenses)
   - Monthly savings rate
   - Timeline to fully funded

3. **Debt Payoff Strategy**:
   - Avalanche (highest interest first) vs. Snowball (smallest balance first)
   - Recommended approach for my specific debts
   - Monthly payment schedule
   - Total interest saved
   - Payoff timeline

4. **Savings Goals** (with automation):
   - Each goal with monthly contribution
   - Recommended account types
   - Automation setup guide

5. **Net Worth Tracker**: Template for monthly tracking

6. **Quick Wins**: 5 things I can do this week to improve my finances

7. **Subscriptions Audit**: How to identify and cut wasteful recurring charges