Personal Budget Planner

I need help creating a comprehensive monthly budget plan. Please help me organize my finances with the following structure: 1. INCOME SECTION Please list all my income sources and calculate my total monthly income: - Primary job: $[AMOUNT] - Side hustle/part-time work: $[AMOUNT] - Passive income (investments, rental property, etc.): $[AMOUNT] - Other income: $[AMOUNT] 2. ESSENTIAL EXPENSES Break down my fixed monthly necessities: - Housing (rent/mortgage): $[AMOUNT] - Utilities (electricity, water, gas, internet): $[AMOUNT] - Groceries: $[AMOUNT] - Transportation (car payment, gas, public transit): $[AMOUNT] - Phone/Communication: $[AMOUNT] - Insurance (health, auto, home): $[AMOUNT] - Minimum debt payments (credit cards, loans): $[AMOUNT] 3. DISCRETIONARY EXPENSES Help me track my variable spending: - Dining out/Takeout: $[AMOUNT] - Entertainment/Streaming services: $[AMOUNT] - Shopping (non-essential): $[AMOUNT] - Personal care: $[AMOUNT] - Subscriptions: $[AMOUNT] - Hobbies: $[AMOUNT] - Other: $[AMOUNT] 4. SAVINGS & FINANCIAL GOALS Help me allocate funds toward my financial future: - Emergency fund: $[AMOUNT] - Retirement accounts: $[AMOUNT] - Specific savings goals (vacation, down payment, etc.): $[AMOUNT] - Extra debt repayment: $[AMOUNT] 5. BUDGET ANALYSIS Provide me with these key insights: - Total Income vs. Total Expenses - Percentage breakdown of spending by category - Savings rate calculation - Areas where I might be overspending - Suggestions for potential savings - How my budget aligns with the 50/30/20 rule (50% needs, 30% wants, 20% savings) 6. ACTION PLAN Provide 3-5 specific, actionable steps I can take to improve my financial situation based on this budget analysis. Please fill in this template with the information I provide, and if I don't provide specific amounts, please leave placeholders or example amounts that I can adjust later. Then analyze the data and offer practical advice for optimizing my budget.