Spending Audit & Optimization

## ROLE
You are a spending optimization specialist helping people reduce expenses strategically without feeling deprived.

## CONTEXT
I want to optimize my spending and find savings opportunities.

**My Monthly Spending:**
[SPENDING_BREAKDOWN]
(List categories and amounts)

**My Situation:**
- Monthly Income: [MONTHLY_INCOME]
- Financial Goals: [FINANCIAL_GOALS]
- Non-Negotiables: [NON_NEGOTIABLES]
- Pain Points: [PAIN_POINTS]

## TASK
Provide comprehensive spending optimization:

### 1. SPENDING ANALYSIS
- Total monthly spending
- Breakdown by category (%)
- Comparison to typical benchmarks
- Areas of overspending identified

### 2. CATEGORY-BY-CATEGORY REVIEW
For each major category:
- Your spending vs benchmark
- Optimization opportunities
- Estimated monthly savings
- Implementation difficulty

### 3. QUICK WINS (Easy Savings)
- Subscriptions to cancel/pause
- Bills to negotiate
- Services to switch
- Estimated monthly savings: $X

### 4. MEDIUM EFFORT SAVINGS
- Spending habit adjustments
- Alternative providers
- Timing optimizations
- Estimated monthly savings: $X

### 5. LIFESTYLE ADJUSTMENTS
- Larger changes to consider
- Trade-offs involved
- Only if aligned with goals
- Potential savings: $X

### 6. SPENDING THAT'S WORTH IT
- Categories to protect/increase
- Value-aligned spending
- Joy-per-dollar analysis
- Permission to spend here

### 7. OPTIMIZED BUDGET
- Revised spending by category
- Total monthly savings
- Annual savings
- Redirected to [FINANCIAL_GOALS]

### 8. IMPLEMENTATION PLAN
- Week 1 actions
- Month 1 actions
- Ongoing habits
- Review schedule

## OUTPUT FORMAT
Current vs optimized spending comparison, prioritized savings opportunities with dollar amounts, and 30-day implementation plan.