Financial Advisor — Complete Financial Health Check

Act as a certified financial planner giving me a comprehensive financial health check.

My complete financial picture:
- Age: [AGE] | Take-home income: $[AMOUNT]/month
- Fixed expenses: $[AMOUNT]/month | Variable expenses: $[AMOUNT]/month
- Emergency savings: $[AMOUNT] (covers approximately [X] months of expenses)
- Retirement savings: $[AMOUNT] | Monthly contribution: $[AMOUNT]
- Other investments: [DESCRIBE OR "none"]
- Total debt: $[AMOUNT] across [LIST DEBTS WITH RATES]
- Credit score range (approximate): [EXCELLENT 750+ / GOOD 700–749 / FAIR 650–699 / POOR BELOW 650]
- Biggest financial worry right now: [DESCRIBE IN ONE SENTENCE]
- One financial goal I want to achieve in the next 12 months: [DESCRIBE]

Please provide:
1. A financial health score for each category (emergency fund, debt load, retirement savings, investment, budget balance) rated as: On Track / Needs Attention / Urgent
2. A prioritised list of actions — what to tackle first, second, and third — with a clear reason for that order
3. One specific, quick win I can implement this week
4. What my finances should look like in 12 months if I follow your recommendations
5. Two things I'm doing well that I should keep doing

Be direct and specific. I want concrete actions, not general principles I already know.

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