Act as a family financial planner. I want a fair way to split expenses with my partner, so neither of us is overloaded or feels shortchanged. Our situation: - Monthly take-home pay for each of us: amount A and amount B - Individual debts: description - Shared fixed costs: rent, utilities, groceries, transportation - Individual costs: gym, subscriptions, personal care - Shared goals: emergency fund, travel, home down payment - How we split things today: description Follow these steps: 1) Compare three models (50/50, proportional to income, and the three-account system), showing exactly what each of us would pay per month under each model using our real numbers. 2) Recommend one model and justify it based on the income gap and each person's debt load. 3) Build a joint monthly budget with percentages for fixed costs, variable costs, shared goals and personal free spending. 4) Suggest an account structure and practical rules covering who pays what, on which date, and what goes through the joint account. 5) List 5 agreements that prevent friction, including a spending threshold above which a purchase has to be discussed first. 6) Propose a 20-minute monthly money conversation script to review the agreement. Present the calculations as tables. Keep a neutral tone, without judging who earns more or less.