Personal Finance Optimizer

Create a personalized financial optimization plan for: Income: [X]. Expenses: [breakdown]. Savings: [current]. Debt: [types and amounts]. Goals: [list with timelines]. Risk tolerance: [1-10]. Build: (1) Emergency fund target and timeline. (2) Debt payoff strategy (avalanche vs. snowball analysis). (3) Investment allocation based on goals and timeline. (4) Tax optimization opportunities. (5) Insurance gaps. (6) Monthly budget template. (7) 5-year financial milestone roadmap.