Builds a realistic personal or household budget from income and expenses — choosing a budgeting method (50/30/20, zero-based, envelopes), categorizing spending, setting savings and debt-payoff targets, and producing a monthly plan with an emergency-fund and debt strategy. Use this skill when a user
Builds a realistic personal or household budget from income and expenses — choosing a budgeting method (50/30/20, zero-based, envelopes), categorizing spending, setting savings and debt-payoff targets, and producing a monthly plan with an emergency-fund and debt strategy. Use this skill when a user asks to "make me a budget", "help me manage my money", "where is my money going", "save more / pay o
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