{
  "label": "Four possible months for the same household needs",
  "units": "Illustrative monthly USD; take-home income after tax. Chosen planning inputs, not city averages or offers.",
  "categories": [
    "Housing and basic utilities",
    "Food and household supplies",
    "Full transport costs",
    "Health and insurance",
    "Care and scheduled activities",
    "Debt and other commitments",
    "Hartford contact and return visits"
  ],
  "cases": [
    {
      "label": "Current Hartford home",
      "income": 6200,
      "expenses": [
        1700,
        1000,
        600,
        700,
        450,
        450,
        300
      ],
      "remaining": 1000
    },
    {
      "label": "Nearby home; higher housing and travel",
      "income": 6200,
      "expenses": [
        1950,
        1000,
        700,
        700,
        450,
        475,
        325
      ],
      "remaining": 600
    },
    {
      "label": "Regional home; agreed income and routes",
      "income": 6500,
      "expenses": [
        1550,
        1000,
        550,
        700,
        450,
        475,
        325
      ],
      "remaining": 1450
    },
    {
      "label": "Farther home; a costlier whole month",
      "income": 6800,
      "expenses": [
        2250,
        1100,
        900,
        800,
        600,
        400,
        300
      ],
      "remaining": 450
    }
  ],
  "unrecoverable_transition_allowance": 9900,
  "lesson": "The regional arrangement leaves $1,450, compared with $1,000 today. The nearby example leaves $600 even with the same income; the farther example brings in more money but leaves only $450. A move becomes useful when the entire month supports the change you want.",
  "input_limit": "These are four invented arrangements with consistent categories. Substitute your household’s dependable net income, a real home offer, each adult’s health and travel costs, and the contact you intend to keep. Historical Census rent describes occupied homes and does not provide any of these chosen housing payments.",
  "transition_lesson": "If an actual move brought a dependable $450 monthly improvement, an illustrative $9,900 of unrecoverable transition spending would take 22 months to recover. List refundable deposits and money temporarily tied up separately from spending; keep the emergency reserve visible too.",
  "baseline_remaining": 1000,
  "improved_remaining": 1450,
  "recovery_months": 22,
  "household_models": [
    {
      "key": "multigen",
      "label": "Three adult generations: private space and separate journeys",
      "current_income": 6200,
      "compared_income": 6500,
      "current_expenses": [
        1700,
        1000,
        600,
        700,
        450,
        450,
        300
      ],
      "compared_expenses": [
        1550,
        1000,
        550,
        700,
        450,
        475,
        325
      ],
      "unrecoverable_transition": 9900,
      "note": "The main household’s chosen regional version leaves $1,450 instead of $1,000. The fixed workplace, actual training site and older adult’s independent outing all have workable routes. The shared home offers privacy and a usable entrance; support and contributions are agreed, rather than assigned by age."
    },
    {
      "key": "solo",
      "label": "One adult: an appointment and a regular local interest",
      "current_income": 3600,
      "compared_income": 4100,
      "current_expenses": [
        1300,
        420,
        390,
        220,
        70,
        280,
        120
      ],
      "compared_expenses": [
        1500,
        450,
        360,
        260,
        90,
        310,
        180
      ],
      "unrecoverable_transition": 4500,
      "note": "This invented appointment leaves $950 instead of $800 despite a higher housing payment. The role is confirmed, the actual journey is usable and the adult has a repeatable interest nearby. The $150 improvement is modest beside the transition expense; the opportunity and ordinary day explain the move’s purpose."
    },
    {
      "key": "family",
      "label": "Parents and a child: the complete school-and-work day",
      "current_income": 5200,
      "compared_income": 5000,
      "current_expenses": [
        1700,
        820,
        650,
        430,
        520,
        280,
        200
      ],
      "compared_expenses": [
        1550,
        820,
        420,
        430,
        450,
        250,
        180
      ],
      "unrecoverable_transition": 7200,
      "note": "The chosen family month leaves $900 instead of $600 even with lower take-home income. The input depends on a confirmed school, agreed care and less costly travel that the actual timetable supports. It does not assume an unpaid relative covers a gap or a place in an unconfirmed program."
    },
    {
      "key": "study",
      "label": "An adult learner: a funded interval with less monthly room",
      "current_income": 4600,
      "compared_income": 4400,
      "current_expenses": [
        1500,
        650,
        350,
        350,
        220,
        480,
        150
      ],
      "compared_expenses": [
        1600,
        650,
        420,
        350,
        300,
        500,
        180
      ],
      "unrecoverable_transition": 6500,
      "note": "The learning interval leaves $400 instead of $900. Course-related commitments are included in the chosen monthly category, and the actual fees and funding need their own confirmed schedule. This is a purposeful funded reduction in the remainder, not a saving. Carry the entire interval and beginning before counting a hoped-for later job."
    },
    {
      "key": "retirement",
      "label": "Retirement: a manageable home and an outing of your own",
      "current_income": 4200,
      "compared_income": 4200,
      "current_expenses": [
        1350,
        600,
        440,
        580,
        180,
        300,
        150
      ],
      "compared_expenses": [
        1450,
        600,
        260,
        580,
        180,
        230,
        200
      ],
      "unrecoverable_transition": 6000,
      "note": "The retirement month leaves $700 instead of $600. A more suitable home and a less driving-dependent routine are the gain, with health costs preserved. The small financial improvement alone takes a long time to recover the beginning; record the entrance, privacy and independence alongside it."
    },
    {
      "key": "overseas",
      "label": "A specialist overseas chapter: one dependable income",
      "current_income": 7000,
      "compared_income": 7200,
      "current_expenses": [
        1800,
        1000,
        700,
        850,
        400,
        600,
        300
      ],
      "compared_expenses": [
        2200,
        1100,
        650,
        1000,
        450,
        650,
        450
      ],
      "unrecoverable_transition": 15000,
      "note": "The chosen comparison leaves $700 instead of $1,350. Figures are illustrative USD planning equivalents, not a currency quote or prices for any country. The second adult has a funded purpose but no assumed salary; individual permissions, actual employer support, health cover and the return plan must be established separately."
    }
  ]
}