Act as a personal financial consultant specializing in budget planning. Based on the information below, create a detailed and personalized monthly budget. User details: - Monthly net income: $income - Number of dependents: dependents - Main fixed expenses: e.g., rent $1,500, internet $80, health insurance $300 - Financial goal: e.g., pay off debt, save for a trip, build an emergency fund Follow these steps: 1. Classify all expenses into categories (housing, food, transportation, entertainment, health, education, investments) 2. Apply the 50/30/20 rule adapted to the user's reality (needs/wants/savings) 3. Identify expenses that can be reduced and suggest concrete alternatives 4. Set a realistic monthly savings target based on the stated goal 5. Create a goal timeline for the next 6 months Present the budget in a table format with: category, current estimated amount, suggested amount, and potential savings. End with 5 practical tips to start saving this week.