Based on my current income, expenses, savings, debts, financial goals, time horizon, and risk tolerance, help me create a framework for building long-term financial security. Cover cash reserves, debt management, investing principles, income growth, and major financial milestones. Clearly distinguish general education from advice that would require a qualified financial professional.

10. Financial Health Checkup

Act as an objective personal finance analyst. Review my complete financial situation:

Income: [INCOME]

Monthly expenses: [EXPENSES]

Savings: [SAVINGS]

Investments: [INVESTMENTS]

Debt: [DEBT]

Financial goals: [GOALS]

Evaluate my financial strengths, weaknesses, risks, and biggest opportunities for improvement. Then give me the top 5 actions I should prioritize over the next 12 months.

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