{
  "label": "Four hypothetical household months: what remains for the life you want",
  "units": "Chosen monthly US-dollar inputs · illustrative arithmetic, not city quotes",
  "categories": [
    "Housing and utilities",
    "Transport",
    "Food and household basics",
    "Care and insurance",
    "Debt and other recurring essentials"
  ],
  "cases": [
    {
      "label": "Current household month",
      "income": 6800,
      "expenses": [
        2200,
        700,
        1050,
        850,
        900
      ],
      "remaining": 1100
    },
    {
      "label": "Cheaper home, reduced income",
      "income": 5900,
      "expenses": [
        1800,
        850,
        1050,
        850,
        650
      ],
      "remaining": 700
    },
    {
      "label": "Income and handoffs fit",
      "income": 7100,
      "expenses": [
        2050,
        600,
        1050,
        900,
        950
      ],
      "remaining": 1550
    },
    {
      "label": "More driving and paid help",
      "income": 7000,
      "expenses": [
        1950,
        1450,
        1050,
        1350,
        900
      ],
      "remaining": 300
    }
  ],
  "lesson": "The cheaper-home example leaves $700 instead of $1,100 after the income change. The third arrangement leaves $1,550 because income, transport and household handoffs work together. The fourth leaves only $300 once driving and paid help are included.",
  "input_limit": "These invented inputs describe no quoted home, city salary, care rate or insurance offer. Replace them with the actual household amounts you can support, keeping possible future earnings separate.",
  "unrecoverable_transition_allowance": 6300,
  "baseline_remaining": 1100,
  "improved_remaining": 1550,
  "recovery_months": 14,
  "transition_lesson": "Here the recurring improvement is $450 a month: $1,550 minus $1,100. A chosen $6,300 in unrecoverable transition spending would take fourteen such months to recover. Deposits and the emergency reserve still require separate cash even when they are not final expenses."
}