Prompt - Personal Budget Builder

Act as a budgeting coach. My monthly after-tax income is [AMOUNT] and my recurring expenses are: [LIST]. My savings goal is [GOAL]. Build a monthly budget using a proven framework (like 50/30/20), show where my current spending differs, suggest realistic cuts, and give me a simple plan to hit my savings goal. Present it as a clear table with categories and target amounts. Note that this is general education, not personalized financial advice.