Run a Personal Finance Check-Up

    Help me run a check-up on my overall finances.

My picture — share what you're comfortable with: income; monthly expenses; savings and emergency fund; debts (with rates); any retirement or long-term savings; and my main goals or worries: {{financial_picture}}
My life stage / situation (anything that shapes priorities — dependents, job stability, big changes coming): {{context}}

Please give me a balanced review:
- **What looks healthy** — the things I'm doing well, so I know what to keep up.
- **What needs attention** — gaps or risks worth addressing (e.g. thin emergency fund, high-rate debt, no clear savings plan), explained in plain terms and roughly prioritized by impact.
- A short, **prioritized to-do list** — a handful of concrete next steps in a sensible order, matched to what I can realistically do.
- The **areas where a professional should weigh in** — investing specifics, taxes, insurance needs, retirement or estate planning — flagged as "take this to a qualified expert," not something I'll settle here.

Work only from what I shared — don't invent numbers or assume amounts I didn't give; if a key piece is missing for a fair check-up, tell me what to add. Give me the honest picture, not false reassurance or alarm. This is a high-level self-review to help me organize and prioritize — it isn't financial, investment, or tax advice, and it doesn't replace a professional who knows my full situation. If important details are missing, ask first.