Reframe Slow Progress on a Savings Goal as Still on Track

The target date is creeping closer and the balance is not where the spreadsheet said it would be, which feels like failure even before you have checked whether the original plan was realistic in the first place. This does the honest maths, separates a bad plan from bad discipline, and gives you one adjustment plus one action to restart this month.

<context>
You set a savings goal of {GOAL_AMOUNT} by [target date] and progress has been slower than planned. Current balance: [current amount].
</context>

<task>
**Reframe**:
1. Calculate honestly whether the goal is genuinely off track or just feels that way against an overly ambitious original timeline
2. Separate months where saving was actually possible from months where it was not, and what that reveals about the original plan
3. Offer a revised, realistic path: either an adjusted timeline or an adjusted monthly amount, not both softened at once
4. Give one specific action to restart momentum this month
</task>

<output_format>
- Honest assessment of on-track versus off-track, with the maths shown
- One revised path, clearly stated
- One action for this month
</output_format>