{
  "label": "Four hypothetical household months: start with the amount left",
  "units": "Chosen monthly US-dollar inputs · examples only, not city prices",
  "categories": [
    "Housing and utilities",
    "Transport",
    "Food and household basics",
    "Care and insurance",
    "Debt and other recurring essentials"
  ],
  "cases": [
    {
      "label": "Present arrangement",
      "income": 6200,
      "expenses": [
        2100,
        650,
        900,
        850,
        800
      ],
      "remaining": 900
    },
    {
      "label": "Lower rent, lower earnings",
      "income": 5500,
      "expenses": [
        1700,
        950,
        900,
        650,
        650
      ],
      "remaining": 650
    },
    {
      "label": "Work and routes line up",
      "income": 6500,
      "expenses": [
        1850,
        600,
        900,
        1000,
        900
      ],
      "remaining": 1250
    },
    {
      "label": "Extra vehicle and care",
      "income": 6100,
      "expenses": [
        1800,
        1350,
        900,
        1100,
        750
      ],
      "remaining": 200
    }
  ],
  "lesson": "The cheaper housing example leaves $650, less than the present $900, because reduced income and other costs outweigh the lower payment. The stronger arrangement leaves $1,250. The fourth leaves $200 once transport and care are included.",
  "input_limit": "These are invented household inputs selected to show the comparison. They describe no quoted home, city wage, insurance price or care offer. Replace them with your own verified amounts and keep uncertain income separate.",
  "unrecoverable_transition_allowance": 4200,
  "baseline_remaining": 900,
  "improved_remaining": 1250,
  "recovery_months": 12,
  "transition_lesson": "In this example, $1,250 minus $900 is a $350 monthly improvement. A chosen $4,200 of unrecoverable transition spending takes twelve such months to recover. Refundable deposits still tie up cash; keep those and your emergency reserve separate."
}