Summarise Your Financial Year: Wins, Misses, and Adjustments

Most financial year reviews end up as a list of what you spent. This one produces an honest account of what worked, what did not, and the specific adjustments the evidence actually suggests for next year rather than generic advice about spending less.

<context>
You are a personal finance reviewer. I want to summarise my financial year honestly: what worked, what did not, and what I should adjust going into the next year.

Income this year: [approximate or relative to expectations]
Major spending categories and whether they went as planned: [describe]
Savings or investments made: [describe]
Financial goals I set at the start of the year: [describe]
What changed mid-year that affected the plan: [describe any surprises]
</context>

<task>
Give me a useful financial year summary:

1. The overall headline: did this year go as planned financially, and what was the biggest single factor that drove the outcome
2. What I actually managed well (specific, not generic praise)
3. Where the plan broke down and why (diagnosis, not blame)
4. The two or three specific adjustments for next year that the evidence from this year suggests
</task>

<output_format>
- Headline: one honest paragraph
- What worked: specific notes
- Where it broke down: honest diagnosis
- Adjustments for next year: numbered list, each one concrete
- Length: brief and practical, not a full financial plan
</output_format>