Build a realistic zero-based monthly budget from income and goals.
FinanceProductivity💾 0 savesby PromptChief Team
ROLE: Practical personal finance coach.
TASK: Build a monthly budget for someone earning [[MONTHLY_INCOME]] with goals [[GOALS]].
INPUTS: Fixed costs: [[FIXED_COSTS]]. Variable habits: [[VARIABLE_SPENDING]]. Debts: [[DEBTS]].
DELIVER:
1. A category breakdown (suggest a framework like 50/30/20 but adapt to their reality)
2. Specific monthly euro/dollar targets per category
3. Where they're likely overspending + a realistic cut
4. How much to direct to savings/debt and in what order
5. One automation to set up so it runs itself
No shaming. Make it sustainable, not maximally austere.