{
  "label": "Four complete months around the same household needs",
  "units": "Illustrative monthly USD after tax. Chosen shared-household inputs, not city prices, offered salaries or actual leases.",
  "categories": [
    "Housing and basic utilities",
    "Food and household supplies",
    "Full transport costs",
    "Health and insurance",
    "Care, learning and activities",
    "Debt and other commitments",
    "Philadelphia contact and return visits"
  ],
  "cases": [
    {
      "label": "Current Philadelphia shared home",
      "income": 6000,
      "expenses": [
        1700,
        850,
        650,
        650,
        200,
        500,
        250
      ],
      "remaining": 1200
    },
    {
      "label": "Nearby home; dearer housing and travel",
      "income": 6000,
      "expenses": [
        1900,
        850,
        900,
        650,
        200,
        500,
        250
      ],
      "remaining": 750
    },
    {
      "label": "Regional home; agreed new work",
      "income": 6200,
      "expenses": [
        1600,
        850,
        450,
        650,
        200,
        500,
        300
      ],
      "remaining": 1650
    },
    {
      "label": "Farther home; higher pay and a costlier month",
      "income": 6500,
      "expenses": [
        1900,
        900,
        950,
        750,
        250,
        550,
        400
      ],
      "remaining": 800
    }
  ],
  "unrecoverable_transition_allowance": 10800,
  "lesson": "The chosen regional month leaves $1,650, compared with $1,200 today. The nearby version leaves $750 after higher housing and travel. The farther version earns more and leaves $800. Keep the day the money supports beside the remainder, and write down how the adults agree to share the costs.",
  "input_limit": "Replace these chosen amounts with the actual lease, dependable take-home pay, whole transport and the contact and support you mean to keep. If the adults move separately, prepare a complete individual month for each; dividing the old shared total is not a complete housing plan. Historical Census rent supplies none of these property payments.",
  "transition_lesson": "A continuing $450 monthly improvement would take 24 months to recover the chosen $10,800 of unrecoverable transition spending. Deposits, temporarily tied-up cash and an available reserve remain separate needs. A worthwhile home or opportunity can justify a funded change without producing a recurring saving.",
  "baseline_remaining": 1200,
  "improved_remaining": 1650,
  "recovery_months": 24,
  "household_models": [
    {
      "key": "shared",
      "label": "Two housemates: a new regional working week",
      "current_income": 6000,
      "compared_income": 6200,
      "current_expenses": [
        1700,
        850,
        650,
        650,
        200,
        500,
        250
      ],
      "compared_expenses": [
        1600,
        850,
        450,
        650,
        200,
        500,
        300
      ],
      "unrecoverable_transition": 10800,
      "note": "This is the main example’s chosen regional month: $1,650 left instead of $1,200. Agreed new work and the full shared month supply the inputs. The $450 improvement takes 24 months to recover $10,800 of unrecoverable spending; each adult still needs private time and an agreed contribution."
    },
    {
      "key": "solo",
      "label": "One adult: a confirmed role and an evening of your own",
      "current_income": 3800,
      "compared_income": 4200,
      "current_expenses": [
        1300,
        450,
        400,
        400,
        150,
        250,
        100
      ],
      "compared_expenses": [
        1500,
        500,
        350,
        450,
        150,
        250,
        150
      ],
      "unrecoverable_transition": 3600,
      "note": "The chosen individual month leaves $850 instead of $750. The role, complete journey and local interest are the intended gains. A dependable $100 improvement would take 36 months to recover the selected $3,600 of spending; a higher wage alone does not describe the result."
    },
    {
      "key": "study",
      "label": "Adult learning: a defined funded interval",
      "current_income": 4100,
      "compared_income": 3600,
      "current_expenses": [
        1400,
        500,
        350,
        450,
        150,
        300,
        150
      ],
      "compared_expenses": [
        1300,
        480,
        200,
        450,
        450,
        300,
        170
      ],
      "unrecoverable_transition": 5200,
      "note": "The chosen funded-learning month leaves $250 instead of $800. The lower income represents dependable reduced work and actual funding during the defined course interval. There is no savings-based recovery time; admission, current funding, the reserve and the value of the learning must support the change without an assumed future salary."
    },
    {
      "key": "relatives",
      "label": "Adults sharing with a relative: privacy and independent outings",
      "current_income": 8400,
      "compared_income": 8200,
      "current_expenses": [
        2400,
        1200,
        1100,
        1100,
        450,
        550,
        300
      ],
      "compared_expenses": [
        2200,
        1150,
        700,
        1200,
        500,
        550,
        350
      ],
      "unrecoverable_transition": 10000,
      "note": "The chosen shared-relative month leaves $1,550 instead of $1,300. Each adult has a private space, an agreed contribution and an independent activity; practical help is explicitly agreed. A dependable $250 improvement takes 40 months to recover the selected $10,000 of unrecoverable spending."
    },
    {
      "key": "retirement",
      "label": "Retirement: a manageable home and a local interest",
      "current_income": 5200,
      "compared_income": 5200,
      "current_expenses": [
        1700,
        650,
        600,
        750,
        180,
        220,
        200
      ],
      "compared_expenses": [
        1600,
        650,
        350,
        800,
        200,
        220,
        280
      ],
      "unrecoverable_transition": 9600,
      "note": "The chosen retirement month leaves $1,100 instead of $900. More manageable rooms and an independent local outing are the intended gains, with health and insurance retained. The $200 improvement takes 48 months to recover the chosen $9,600; the personal purpose remains part of the decision."
    },
    {
      "key": "overseas",
      "label": "An overseas chapter: permitted income and separate adult routes",
      "current_income": 6000,
      "compared_income": 6500,
      "current_expenses": [
        1700,
        850,
        650,
        650,
        200,
        500,
        250
      ],
      "compared_expenses": [
        2000,
        850,
        500,
        950,
        350,
        500,
        450
      ],
      "unrecoverable_transition": 15000,
      "note": "This chosen chapter leaves $900 instead of $1,200. The values are illustrative USD planning equivalents, not country prices or an exchange-rate quote. Each adult needs an applicable route and funded purpose; the second person has no assumed salary or inherited permission. The actual local-currency month, insurance and return reserve need their own evidence."
    }
  ]
}