Personal Budget Planner

Create a personalized financial plan. My monthly income: [INCOME]. Fixed expenses: [FIXED_EXPENSES]. Variable expenses: [VARIABLE_EXPENSES]. Current debt: [DEBT]. Financial goals: [GOALS]. Build: 1) Zero-based monthly budget, 2) 50/30/20 rule analysis, 3) Debt payoff strategy (avalanche or snowball), 4) Emergency fund timeline, 5) Investment allocation suggestion, 6) 3 specific ways to cut spending. Make it realistic and actionable.