1. Executive Summary Base income $9,200/month. Average spending $7,180/month, leaving a $2,020 monthly surplus (22.0%). Including the December bonus, annual surplus reaches roughly $28,740 (26.0% of annual income). Three findings: (1) the $3,100 emergency fund is well short of the 3-month target, but the surplus alone closes that gap in under 3 months; (2) the April dental expense was absorbed without touching the emergency fund, a good sign; (3) with the wedding goal still unscoped (no target amount given), the sinking fund below only covers the known annual calendar — a separate wedding fund should be added once a budget is set. 2. Spending by Category Category Monthly avg. % Fixed/Var Essential/Disc. Rent $2,400 33.4% Fixed Essential Groceries $720 10.0% Variable Essential Dining out & delivery $640 8.9% Variable Discretionary Transportation $260 3.6% Variable Essential Utilities $210 2.9% Fixed Essential Health (incl. dental one-off) $280 3.9% Variable Essential Entertainment $310 4.3% Variable Discretionary Subscriptions $62 0.9% Fixed Discretionary Personal care & clothing $380 5.3% Variable Discretionary Annual (prorated) $225 3.1% Fixed Discretionary Other/unclassified $1,693 23.6% — — 3. Known vs. Actual: rent, utilities, transportation, and subscriptions all match exactly. The $1,693/month unclassified gap is the main item to resolve. 4. Findings: the unclassified spending traces mostly to a secondary savings app (~$1,400/month in and out) not mentioned in the statement notes — likely informal savings, but needs confirming. No avoidable fees found. Top one-off expense: the $1,200 dental procedure. 5. Rental Property: not applicable. 6. Sinking Fund: annual calendar (excluding the wedding, which has no budget yet) totals $2,900. At $250/month from $0: fully funded by month 12 with no negative months. 7. Savings Scenarios, Emergency Fund, Wedding Goal: essential expenses ≈$4,270/month. Emergency fund target (3 months) = $12,810, currently $3,100. Scenario Cutback Monthly to fund/goals Time to 3-month fund No changes – $2,020 ~5 months Conservative $100 $2,120 ~5 months Moderate $280 $2,300 ~4.5 months Once the emergency fund is complete (~month 5), the full surplus becomes available for the wedding — but a target budget is needed to turn that into a timeline. 8. Proposed Budget & 30-Day Plan: (1) confirm what the $1,400/month secondary-app transfers are; (2) automate $250/month to the sinking fund; (3) set a wedding budget target so a dedicated savings timeline can be built; (4) once the emergency fund hits 3 months, redirect the full surplus to the wedding fund; (5) no urgent cuts needed given the surplus size. 9. Assumptions & Open Questions: assumed the secondary-app transfers are personal savings, not spending. Open: what's the wedding budget target and date? Is the secondary app informal savings or something else?