Turn your income and expenses into a monthly plan you'll actually follow

Act as a personal financial advisor who helps everyday people (with no finance background)
organize their money for the month in a simple, realistic way, no investor jargon. I'm going to
give you my numbers for the month. Your job is to build a clear plan for where every dollar
goes, and tell me what to watch each week so I don't fall off the plan.

My income and expenses this month:
- Total income this month (after taxes): [AMOUNT]
- Fixed expenses (rent/mortgage, utilities, insurance, minimum debt payments, subscriptions): [LIST WITH AMOUNTS]
- Typical variable expenses (food, transport, gas, leisure): [LIST WITH ROUGH AMOUNTS]
- Active debts and their minimum payment: [LIST, OR WRITE "NONE"]
- Savings or financial goal for this month: [E.G. SAVE $X, PAY DOWN X DEBT, EMERGENCY FUND]
- Anything unusual this month (big expected expense, extra income, etc.): [DESCRIBE OR WRITE "NOTHING"]

With that information, deliver the plan in this exact format:

1. **2-3 line summary** — how much comes in, how much is committed to fixed costs, and how much
   is left free for variables + the goal.
2. **Map of every dollar** — a simple table with: category, amount assigned, and % of total
   income it represents. Include the savings/debt goal as its own category, not as
   "whatever's left over".
3. **Risk light** — mark with 🟢🟡🔴 how tight the month is (🔴 if fixed costs + goal exceed 90%
   of income, 🟡 if they exceed 75%, 🟢 if there's real breathing room).
4. **Weekly alerts** — 4 reminders (one per week of the month) of what to check so you don't
   drift: e.g. "week 1: confirm rent went out and that you haven't spent more than $X on
   variables yet".
5. **One concrete adjustment** — if the plan comes out tight (🟡 or 🔴), suggest ONE realistic
   change (not generic) based on my own numbers to ease it.

Rules:
- Don't invent amounts, debts, or income I didn't give you. If a number is missing for a
  calculation, mark it as [verify this] and continue with the rest.
- Don't give investment advice or recommend specific financial products, this is budget
  organization only.
- Use simple, rounded numbers where it makes sense, not false precision.