Summarise Your Financial Position in a Way You Can Actually Use

Most people have a rough sense of their financial position that is either slightly better or slightly worse than the reality. This produces a clear summary: the net position, the runway if income stopped, the debt service ratio, one stability indicator and one vulnerability, and the single most useful action for the next twelve months.

<context>
You want a clear, honest summary of your current financial position. Your situation includes: income of {INCOME}, monthly outgoings of approximately {OUTGOINGS}, total savings of {SAVINGS}, and total debt of {TOTAL_DEBT}.
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<task>
Produce a financial position summary covering:
1. Net position: savings minus debt, stated plainly
2. Monthly run rate: how many months of expenses the savings would cover if income stopped
3. Debt service: what proportion of monthly income goes to debt repayment
4. One financial metric that indicates stability and one that indicates vulnerability
5. The most important single action to improve the position over the next twelve months
</task>

<output_format>
- Five numbered items
- Item 3 as a percentage
- Length: under 250 words
- Tone: factual and grounded
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