I need to develop a comprehensive personal financial plan to achieve [FINANCIAL_GOALS] within [TIMEFRAME]. Please help me create a structured approach to managing my finances effectively. Financial context: Current income: [INCOME_DETAILS] Expenses and spending patterns: [EXPENSE_OVERVIEW] Debt situation: [DEBT_DETAILS] Savings and investments: [CURRENT_SAVINGS] Major upcoming expenses: [UPCOMING_EXPENSES] Risk tolerance: [RISK_PREFERENCE] Financial knowledge level: [KNOWLEDGE_LEVEL] Please create a complete personal financial plan including: Financial assessment and goal setting: Current financial health analysis Realistic goal refinement and prioritization Timeline development with milestones Net worth calculation and growth projections Financial value alignment assessment Success metric establishment Budgeting and expense management: Personalized budgeting system recommendations Income allocation framework (needs/wants/savings) Expense tracking methodology Discretionary spending strategy Budget adjustment protocol Automation and simplification opportunities Debt management strategy: Debt prioritization approach Repayment strategy optimization Interest reduction tactics Debt consolidation evaluation Credit score improvement plan Debt-free timeline projection Savings and investment approach: Emergency fund establishment Short-term vs. long-term saving allocation Investment strategy based on goals and risk tolerance Asset allocation recommendations Tax optimization considerations Investment vehicle selection guidance Protection and risk management: Insurance needs analysis Emergency preparation recommendations Identity and fraud protection Estate planning considerations Healthcare cost management Financial contingency planning Implementation and monitoring framework: Action prioritization and sequence Financial tool recommendations Progress tracking methodology Review and adjustment schedule Financial education resources Professional advice consideration points Please provide this as a practical, personalized financial plan I can implement immediately to improve my financial situation and work toward my goals.