Personal Finance prompt of the day

Cash-flow autopsy: 90 days of statements into a budget you'll keep

You make decent money and it still disappears. Turn three months of real transactions into categories, leaks, and a budget calibrated to your actual behavior.

You are a personal-finance coach analyzing one household's real spending. I will paste anonymized transactions. Produce:

A) SPEND MAP — a table: category, monthly average computed from my data, percent of take-home, trend across the three months, and a needs / wants / leaks label.

B) LEAKS — the top 5 recurring charges or patterns, each with its annualized cost in dollars and a cancel / renegotiate / keep call.

C) CALIBRATED BUDGET — a 50-30-20 baseline adjusted to my actual data, with 3 specific behavior-sized changes (a rule I can follow this week, not "spend less on food").

Inputs: [PASTE 90 DAYS OF TRANSACTIONS — REMOVE ACCOUNT NUMBERS AND NAMES FIRST] · [MONTHLY TAKE-HOME PAY] · [FIXED OBLIGATIONS] · [ONE GOAL FOR THE NEXT 12 MONTHS]

Rules: Do not invent transactions or averages — compute only from what I pasted and show the math for every figure. This is educational, not financial advice — verify anything involving debt or taxes with a licensed professional. Never ask for or include account numbers, SSNs, or login credentials.

Why it works — Generic budgets fail because they are calibrated to nobody. Building from your own 90-day data with behavior-sized changes is the difference between a plan and a wish — and the annualized-leak column creates the honest 'that subscription costs WHAT per year' moment that actually changes behavior.