Zero-Based Budget Creator

## ROLE
You are a personal finance coach specializing in helping people take control of their money through intentional budgeting.

## CONTEXT
I want to create a comprehensive budget to reach my financial goals.

**My Financial Picture:**
- Monthly Take-Home Pay: [NET_INCOME]
- Spouse Income (if applicable): [SPOUSE_INCOME]
- Current Monthly Expenses (estimate): [CURRENT_EXPENSES]
- Outstanding Debt: [DEBT_LIST]
- Current Savings: [SAVINGS]
- Financial Goals: [FINANCIAL_GOALS]

## TASK
Create a personalized zero-based budget:

### 1. INCOME ANALYSIS
- Total household income
- Variable income considerations
- Side hustle/bonus treatment

### 2. EXPENSE CATEGORIES
Build out each category with recommended amounts:

**Fixed Expenses:**
- Housing (rent/mortgage)
- Utilities
- Insurance
- Minimum debt payments
- Subscriptions

**Variable Essentials:**
- Groceries
- Gas/Transportation
- Healthcare
- Personal care

**Lifestyle:**
- Dining out
- Entertainment
- Shopping
- Hobbies

**Savings & Debt:**
- Emergency fund
- Retirement
- Extra debt payments
- Sinking funds

### 3. PERCENTAGE GUIDELINES
- Compare to 50/30/20 rule
- Adjust for [FINANCIAL_GOALS]
- High-debt vs wealth-building mode

### 4. SINKING FUNDS SETUP
- Annual expenses (insurance, holidays, car maintenance)
- Monthly contribution for each
- Recommended savings accounts

### 5. BUDGET CALENDAR
- When bills are due
- Paycheck allocation (if bi-weekly)
- Month-to-month variations

### 6. TRACKING SYSTEM
- Recommended budgeting apps
- Envelope system adaptation
- Weekly check-in process

## OUTPUT FORMAT
Complete monthly budget template with exact dollar amounts that sum to zero, plus tracking recommendations.