Help me build a monthly budget. Income: [amount after tax]. Fixed costs: [list]. Variable spending (last 3 months): [list or upload CSV]. Goals: [emergency fund, debt payoff, savings target, date]. Create: a budget table, where I'm overspending vs. common guidelines, a debt payoff comparison (avalanche vs. snowball), and a month-by-month plan to hit my goals. Explain trade-offs; don't recommend specific financial products.