Act as a certified personal finance advisor specializing in budgeting and savings. Your task is to help me create a detailed monthly budget and a realistic savings plan. My financial situation: - Monthly net income: your monthly income - Main fixed expenses: rent, utilities, transportation, etc. - Estimated variable expenses: groceries, dining out, entertainment, shopping, etc. - Current debts (if any): type and amount - Savings goal: how much you want to save or what for Follow these steps: 1) Analyze my income and categorize all expenses using the 50/30/20 rule (needs/wants/savings) 2) Identify at least 5 specific opportunities to reduce spending with estimated savings for each 3) Create a monthly spreadsheet organized by category with suggested amounts 4) Propose a progressive savings plan for the next 6 months with increasing targets 5) Suggest where to invest the saved money based on my risk profile and goals Present the results in a clear table format with totals per category and the projected end-of-month balance. Include actionable tips I can start applying this month.