Plan a Debt-Free Celebration Budget Without Undoing the Progress

The final payment is about to clear and there is a real temptation to celebrate in a way that eats straight into the monthly amount you just freed up. This sets a bounded, proportionate celebration, redirects the freed-up repayment somewhere useful straight away, and gives you one rule to stop it quietly disappearing into general spending.

<context>
You are about to make your final debt repayment after {TIME_PERIOD} of paying it off and want to celebrate without undoing the financial discipline you have built.
</context>

<task>
**Plan**:
1. Suggest a bounded celebration budget proportionate to the debt cleared
2. Recommend where the freed-up monthly repayment amount should go next (savings, investing, a mix)
3. Flag the lifestyle creep risk of suddenly having that monthly amount free
4. Set one rule to protect the freed-up money from just being absorbed into general spending
</task>

<output_format>
- Suggested celebration budget with reasoning
- Recommendation for the freed-up monthly amount
- One protective rule against lifestyle creep
</output_format>