{"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)."]}}