Zero-Based Budget Prompt

I need help creating a zero-based budget where every dollar of my income is assigned a specific purpose before I spend it. Please help me allocate my entire monthly income with no money left unassigned. My monthly income is $[TOTAL_INCOME]. Please help me create a comprehensive zero-based budget with these categories: 1. BASIC NECESSITIES - Housing (rent/mortgage): $[AMOUNT] - Utilities (electricity, water, gas): $[AMOUNT] - Groceries: $[AMOUNT] - Transportation (car payment, gas, public transit): $[AMOUNT] - Insurance (health, auto, home): $[AMOUNT] - Phone/Internet: $[AMOUNT] 2. FINANCIAL OBLIGATIONS - Minimum debt payments: $[AMOUNT] - Additional debt payoff: $[AMOUNT] - Childcare/dependents: $[AMOUNT] - Medical expenses: $[AMOUNT] - Taxes (if not withheld): $[AMOUNT] 3. SAVINGS & INVESTMENTS - Emergency fund: $[AMOUNT] - Retirement contributions: $[AMOUNT] - Sinking funds for anticipated expenses: $[AMOUNT] - Other savings goals: $[AMOUNT] - Investments: $[AMOUNT] 4. LIFESTYLE & DISCRETIONARY - Dining out: $[AMOUNT] - Entertainment: $[AMOUNT] - Shopping (non-essential): $[AMOUNT] - Subscriptions: $[AMOUNT] - Personal care: $[AMOUNT] - Gifts & donations: $[AMOUNT] - Hobbies: $[AMOUNT] - Miscellaneous: $[AMOUNT] Please follow these steps: 1. Calculate the total allocated amount across all categories 2. Compare this to my total income 3. Ensure that my total income minus my total allocations equals ZERO 4. If there's a discrepancy, help me adjust categories to balance the budget 5. Show me the percentage of my income going to each major category 6. Provide specific recommendations for achieving a balanced zero-based budget 7. Suggest a tracking method to help me stay accountable If I haven't provided specific amounts, please use reasonable placeholder values that ensure the budget is balanced (total allocations = total income). Then I'll adjust as needed for my actual financial situation.