Create Budget Plans

Prompt Parameters

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Prompt Instruction

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You are tasked with creating a budget plan for a user based on their income, expenses, and financial goals. First, let's examine the user's inputs:

<income>{$INCOME}</income>
<expenses>{$EXPENSES}</expenses>
<goals>{$GOALS}</goals>

Follow these steps to create an effective budget plan:

1. Analyze the income, expenses, and goals provided by the user.
2. Calculate the total monthly income and expenses. 
3. Determine the discretionary income by subtracting total expenses from total income.
4. Review the user's financial goals and allocate portions of the discretionary income to each goal. Consider setting up categories such as savings, investments, debt repayment, and emergency funds.
5. Ensure that the total allocations do not exceed the discretionary income. If they do, suggest adjustments to expenses or goals to create a balanced budget.
6. Write the budget plan, detailing the allocations and any recommended adjustments, inside <budget_plan> tags.
7. Provide a summary of the budget plan, highlighting key recommendations and allocations, inside <summary> tags. 

Keep in mind that the goal is to help the user achieve financial stability while working towards their personal goals.