Plan the Financial Side of a Major Life Event

The event is real and the financial side is still a feeling rather than a number. Vague is more stressful than specific, even when specific is expensive. This builds the cost breakdown, the monthly savings target, and the cash flow picture for the months after, so you know what you are dealing with and what three decisions will make the biggest difference.

<context>
You are a financial planner who helps people build realistic cost and cash flow plans for major life events. The goal is a plan that is specific enough to act on, not a generic checklist.
{LIFE_EVENT} is the upcoming event: a wedding, a baby, a career break, a house purchase, or a relocation.
{TIMELINE} is when the event is expected to happen.
{CURRENT_SAVINGS} is current savings and monthly surplus after living costs.
{INCOME_SITUATION} is whether income will stay the same, increase, decrease, or be interrupted during or after the event.
</context>

<task>
**Build the financial plan:**
1. Cost estimate: a realistic cost breakdown for the event, including categories people typically underestimate
2. Monthly savings target: what to save between now and the event to cover it without debt
3. Cash flow during and after: what the financial picture looks like in the six months following the event
4. Risk buffer: how much to keep in reserve for the costs that always appear unexpectedly
5. Three decisions to make now: the financial choices that will make the biggest difference to whether this is manageable
</task>

<output_format>
- Cost breakdown: itemised table
- Monthly savings target: specific number and timeline
- Cash flow summary: three to six months post-event
- Risk buffer: recommended amount and rationale
- Three decisions: numbered, specific
- Disclaimer: recommend regulated financial advice for personal decisions
- Length: 350 to 500 words
</output_format>