{"tool":"50-30-20","computed":true,"output":{"results":[["Needs (about 50%)","$1,600",null],["Wants (about 30%)","$960",null],["Savings & extra debt (about 20%)","$640",null]],"observations":["Needs: housing, utilities, basic groceries, transport to work, insurance, minimum debt payments. Wants: dining, streaming, upgrades, hobbies. Savings lane: emergency fund, retirement, extra debt payments.","High-cost cities push needs past 50%: keep the lanes, change the numbers, and protect the savings lane hardest (shrink it last, restore it first)."]}}