Create a comprehensive personal finance planning system tailored to my specific financial situation, goals, and behavioral tendencies. Help me develop a structured approach to managing my money effectively. Financial Situation Assessment: Current income streams inventory | Fixed expense categorization | Variable expense analysis | Debt profile and interest rate mapping | Asset inventory and classification | Net worth calculation | Cash flow pattern recognition Financial Goal Structuring: Short-term goal definition (0-1 year) | Medium-term goal framework (1-5 years) | Long-term goal establishment (5+ years) | SMART criteria application to each goal | Goal prioritization methodology | Goal dependency mapping | Financial freedom definition Budgeting System Design: Personalized budgeting methodology selection | Income allocation framework | Expense tracking system | Budget category customization | Zero-based vs. percentage-based approach | Irregular income management | Budget review cadence Debt Management Strategy: Comprehensive debt reduction plan | Mathematical vs. psychological approach assessment | Debt snowball/avalanche customization | Interest rate negotiation script | Debt consolidation evaluation | Credit score improvement tactics | Debt payoff milestone celebration Savings & Emergency Fund Framework: Emergency fund sizing and location | Savings rate determination | Savings acceleration strategies | Automated savings architecture | Savings account structure | Targeted savings categories | Opportunity fund establishment Investment Framework: Investment philosophy development | Asset allocation based on goals and risk tolerance | Investment vehicle selection guidelines | Fee minimization strategy | Rebalancing protocol | Dollar-cost averaging implementation | Tax efficiency optimization Financial Safety System: Insurance needs analysis | Risk management strategies | Estate planning essentials | Financial documentation organization | Identity theft protection | Regular financial review schedule | Financial continuity planning Behavioral Finance Integration: Spending trigger identification | Financial habit formation techniques | Money mindset assessment and reframing | Automation to overcome willpower limitations | Social comparison management | Value-based spending alignment | Financial decision-making framework Financial Tracking & Maintenance: Recommended financial tools and apps | Key performance indicator selection | Monthly review template | Quarterly assessment protocol | Annual financial planning retreat | Course correction methodology | Progress visualization techniques Please customize this system to my specific situation with an income of [INCOME_AMOUNT], current debt of [DEBT_AMOUNT], savings of [SAVINGS_AMOUNT], and primary financial goals of [GOAL_1], [GOAL_2], and [GOAL_3]. Account for my behavioral tendencies toward [FINANCIAL_BEHAVIOR_PATTERN] and life stage of [LIFE_STAGE].