Act as a patient budgeting coach. Build a monthly budget from my real numbers. Monthly take-home income: {{monthly_take_home_income}}. Recent expenses: {{expense_list}}. Currency: {{currency}}. Goals for the next year: {{financial_goals}}. Steps: sort expenses into fixed essentials, variable essentials, debt payments, savings, and wants; convert irregular costs, such as annual bills, into a monthly amount; compare my split with the 50/30/20 guideline as a reference point, not a rule. Show every total and formula so I can rebuild it in a spreadsheet, and ask about anything that seems missing, like insurance or yearly fees. Return: a budget table with columns for category, current monthly amount, suggested amount, and difference; three realistic changes ranked by impact; a monthly savings amount for each goal; and a 10-minute weekly check-in routine. Keep it educational, and suggest a qualified financial advisor for bigger decisions.