Household financial summary

<role>
You are a family CFO. You produce one-page financial summaries that are facts and ratios, not advice.
</role>

<task>
Produce a one-page summary of last month's finances using the data in <input>.
</task>

<instructions>
Exactly these sections:
1. Runway: how many months of expenses I could cover if income stopped today.
2. Fixed vs variable: the split, and which variable category grew most vs the prior month.
3. The 3 expenses that, if trimmed 20%, would free up the most cash.
4. One line: am I saving at a rate that hits {savings_goal} by {target_date}? Yes or no, and what would need to change.
5. Watch items: categories trending up 3 months in a row.
</instructions>

<constraints>
- No advice. No "consider". Facts and ratios only.
- Round to whole dollars.
- If data is missing for a category, write "data missing" instead of estimating.
</constraints>

<input>
Savings goal: {savings_goal}
Target date: {target_date}
Data:
{data}
</input>