Plan a Five-Year Wealth-Building Strategy on a Middle Income

Building wealth on an ordinary salary isn't about picking hot stocks; it's savings rate, debt, tax and time. Give the prompt your income, savings, debts and monthly surplus and it builds a five-year plan with concrete milestones, turning vague ambition into something you can actually act on. Good for anyone on a median wage who wants a real plan, not platitudes.

<context>
Wealth accumulation on a median income is not primarily a question of investment selection; it is a question of savings rate, debt management, tax efficiency, and time. A clear five-year plan with specific milestones makes abstract goals actionable.
</context>
<task>
Provide your current financial snapshot: [annual income, current savings, existing debts, monthly surplus after essential expenses]. Build a realistic five-year wealth-building plan. Include: a target savings rate and how to reach it, debt elimination sequence (if applicable), investment vehicle selection with rationale, and annual milestones.
</task>
<output_format>
A structured plan with five sections: Current Position Summary, Savings Rate Strategy (target %, how to achieve, what to cut or increase), Debt Sequencing (if applicable; otherwise note debt-free status), Investment Strategy (vehicle, allocation rationale, expected growth range), and Annual Milestones (a table with year, target net worth, key action). 500-700 words narrative plus the milestones table.
</output_format>