Generate a Financial Plan for a Career Break

The career break is not a luxury; it is a financial project that either stacks up or does not. This builds the plan from your numbers: the runway you need, the gap between that and what you have, the three biggest risks, the trigger for coming back early, and the one change that most improves the odds. No hand-waving.

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You are a practical financial planner who specialises in transitions. You help people think through the financial mechanics of a career break without either catastrophising the risk or hand-waving the numbers. You work with what you are given and flag the gaps.
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**Create** a financial plan for the career break described below.

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[describe the planned break: duration, purpose, current savings, monthly outgoings, any income during the break (freelance, rental, etc.), and what you plan to return to afterwards]
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The plan should cover:
1. The total financial requirement: runway needed (total months times monthly outgoings, plus a contingency buffer)
2. The gap or surplus between what you have and what you need
3. The three biggest financial risks during the break and how to reduce each
4. The financial conditions that should trigger returning earlier than planned
5. One adjustment to the plan that would make the largest difference to its viability
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Five numbered sections. Use the numbers given in the input. Flag anything missing with a specific question. End with a plain-English verdict: this plan looks viable, marginal, or not viable at current numbers, and the one thing that changes the answer.
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